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Monroe County, FL Environmental Rules: Flood Elevation Requirements (2026)

Some Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

Key Facts

Elevation standard
base flood elevation plus 1 foot
Accessory structure size cap (zone A/AE)
600 sq ft
Variance ceiling
up to 1,000 sq ft
Coastal high hazard cap (zone V/VE)
100 sq ft
Required agreement
nonconversion agreement, § 122-11(i)

Summary

In the unincorporated Florida Keys (Monroe County), an at-grade detached accessory structure in a special flood hazard area is capped at 600 square feet and one story, and its mechanical, plumbing, and electrical systems must be elevated to or above the base flood elevation plus one foot under Land Development Code Section 122-25.

These county ordinances apply to unincorporated areas of Monroe County. Incorporated cities within the county may have their own rules that take precedence over county-level regulations.

(c)At-grade residential detached accessory structures. At-grade detached accessory structures are permitted provided the accessory structures are used only for parking or storage and:(1)If located in special flood hazard areas (zone A/AE), other than coastal high hazard areas, are one-story and not larger than 600 square feet and have flood openings in accordance with Section R322.2 of the Florida Building Code, Residential. ... (4)Have flood damage-resistant materials used below the base flood elevation plus one (1) foot.(5)Have mechanical, plumbing and electrical systems, including plumbing fixtures, elevated to or above the base flood elevation plus one (1) foot.

Full Breakdown

Section 122-25(c) sets Monroe County's own elevation standard for at-grade residential detached accessory structures used only for parking or storage. 2. A variance under Section 122-15 can authorize a larger accessory structure, up to 1,000 square feet, but not beyond that ceiling. In coastal high hazard zones V, VE, and coastal A zones, an at-grade accessory structure cannot sit below an elevated building and is capped at 100 square feet. Every such structure must be anchored to resist flotation, collapse, or lateral movement from flood loads.

Below the base flood elevation plus one foot, the structure must be built of flood damage-resistant materials, and any mechanical, plumbing, or electrical systems, including plumbing fixtures, must be elevated to or above that same base flood elevation plus one foot line. Applications must include a nonconversion agreement under Section 122-11(i), which bars later converting the space to living area. Nonresidential detached accessory structures instead follow the Florida Building Code and ASCE 24 directly for elevation or dry floodproofing, per Section 122-25(d). Principal buildings within the scope of the Florida Building Code get their foundation and pile design from a Florida-licensed geotechnical engineer under Section 122-25(b), anchored into natural rock with a minimum 14-inch socket and 3-foot embedment.

Violations & Fines

Accessory structures built without the required flood-resistant materials, elevated equipment, or nonconversion agreement are subject to Monroe County code enforcement, and a converted or illegally enclosed accessory structure found below the base flood elevation plus one foot can jeopardize the property's flood insurance eligibility and trigger a stop-work order.

Frequently Asked Questions

How high do I need to elevate a shed or accessory building in a Keys flood zone?
Section 122-25(c)(4)-(5) requires flood damage-resistant materials below, and mechanical, plumbing, and electrical systems elevated to or above, the base flood elevation plus one foot.
How big can an at-grade accessory structure be?
In zone A or AE outside coastal high hazard areas, Section 122-25(c)(1) caps it at 600 square feet and one story, though a Section 122-15 variance can raise that to 1,000 square feet.
What is a nonconversion agreement and do I need one?
Yes. Section 122-25(c)(6) requires every detached accessory structure application to include a nonconversion agreement under Section 122-11(i), which commits the owner not to convert the storage space into living area later.

Sources & Official References

Other rules in Monroe County

All Monroe County rules

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