Florida Keys towns
14 towns and neighborhoods across the chain. Each page carries the local risk profile, sample parcel lookups, and the partner realtor we route leads to.
Highest flood exposure
% of parcels in FEMA AE or VE zones
- Duck Key88%
- Stock Island86%
- Key Colony Beach82%
Lower Keys
Big Coppitt Key
Lower KeysClosest mainland-style commute to Key West employment.
- Median value
- $540,000
- Mile marker
- MM 10
Sugarloaf Key
Lower KeysQuiet canal communities and the only bat tower in the Keys.
- Median value
- $620,000
- Mile marker
- MM 17–21
Cudjoe Key
Lower KeysMid-Lower-Keys canal living with deepwater access.
- Median value
- $690,000
- Mile marker
- MM 21–23
Summerland Key
Lower KeysTight community feel, mid-tier Lower-Keys pricing.
- Median value
- $660,000
- Mile marker
- MM 24–26
Ramrod Key
Lower KeysLocal-favorite canal island; No Name Pub on a Tuesday.
- Median value
- $680,000
- Mile marker
- MM 27
Big Pine Key
Lower KeysValue Lower-Keys — X-zone pockets, Key Deer Refuge constraints.
- Median value
- $540,000
- Mile marker
- MM 30
Middle Keys
Marathon
Middle KeysMid-Keys family town — hospital, airport, full grocery.
- Median value
- $590,000
- Mile marker
- MM 47–53
Key Colony Beach
Middle KeysSeparate city, no nightly STRs, manicured canal grid.
- Median value
- $1,100,000
- Mile marker
- MM 53.5
Duck Key
Middle KeysHawks Cay anchor — gated waterfront with mid-Keys quiet.
- Median value
- $1,450,000
- Mile marker
- MM 61
Upper Keys
Islamorada
Upper KeysSportfishing capital — luxury-leaning Upper-Keys market.
- Median value
- $980,000
- Mile marker
- MM 71–86
Tavernier
Upper KeysQuiet Upper-Keys community south of Key Largo.
- Median value
- $720,000
- Mile marker
- MM 88–92
Key Largo
Upper KeysLargest Keys island — Miami-commutable, dive-economy heart.
- Median value
- $760,000
- Mile marker
- MM 91–107