Monroe County, FL Environmental Rules: Flood Elevation Requirements (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.
(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?
How big can an at-grade accessory structure be?
What is a nonconversion agreement and do I need one?
Sources & Official References
Other rules in Monroe County
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