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Coastal flood warnings through Wed–Fri Oct 28–30: Key West, FL

Coastal flood warnings through Wed–Fri Oct 28–30. Per National Weather Service coastal flood warnings as of Oct 27, 2026. The National Weather Service has Coastal Flood Warnings for significant coastal flooding in coastal Volusia, Brevard, Indian River, St. Lucie and Martin counties until 2 AM Fri Oct 30, and in coastal Palm Beach, Broward and Miami-Dade counties until 8 PM Wed Oct 28. The Upper, Middle and Lower Keys are under a Coastal Flood Warning for major saltwater flooding until 5 AM Wed Oct 28. NWS says numerous roads may be closed and low-lying property, including homes, will be inundated. A Wind Advisory covers much of east-central and southeast Florida until 8 PM Tue Oct 27. Check weather.gov for current alerts.

Get on First in Line   Book emergency water-damage service

Get ready before it arrives: join First in Line to be first in line for an inspection after the storm (no guaranteed time), and photograph your home now so your adjuster has a before picture.

Water Damage, first hour: Stay safe from electricity first, stop the water at the source if you can, move valuables, photograph everything before cleanup, and start drying or call for water extraction as soon as possible. Full water damage checklist.

Short answer: Stay safe, stop further damage if you safely can, photograph everything before cleanup, notify your insurer, and get one free inspection from a local pro.

First-hour checklist

  1. Get to safety. Stay inside until the storm passes. Keep away from downed power lines and call 911 for emergencies.
  2. Stop further damage if it is safe. Shut off water for leaks, catch drips, and move belongings away from openings.
  3. Photograph everything. Take wide and close-up photos and video of damage before any cleanup, including hail next to a coin.
  4. Don't climb the roof or cut trees. Leave roofs, tarping and tree removal to professionals.
  5. Notify your insurer. Report the loss and keep receipts. Many storm losses may be covered, depending on your policy.
  6. Get one free inspection. One licensed local pro documents the damage and gives you a photo report and estimate to share with your adjuster.

Storm coming? Prep tips

  • Photograph your home now so your adjuster has a before picture.
  • Save your policy and your insurer's claim number on your phone.
  • Bring in or tie down outdoor furniture and grills.
  • Know where your water shutoff and electrical panel are.
  • Charge phones and keep a flashlight handy.

Helpful reading

See all current storm pages

Damage-specific checklists

First in Line: Key West

Sign up now at no cost. No payment, just your info. After a storm hits your area, you'll be first in line for an inspection or help from one licensed local pro. We can't guarantee a specific time; it depends on local demand and safety.

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Frequently asked questions

Is storm damage in Key West covered by insurance?

Many storm losses may be covered, depending on your policy. Only your insurer decides coverage. We document the damage and provide a photo report and estimate you can share with your adjuster; we don't file, negotiate or adjust claims.

How fast can someone come out in Key West?

For active emergencies, request immediate service and one local pro will contact you. Timing depends on local demand and safety after a storm, so we can't guarantee a specific time.