KeysIQ

Methodology

We get asked "where does this come from?" a lot. Here's the full story. Every input is public-record. Every score is recomputable from the sources listed.

The six scores

Flood Risk

0–100, higher = worse

Inputs: FEMA NFHL flood zone (X / AE / VE), Base Flood Elevation (BFE), USGS-EPQS ground elevation, NFIP claim density (1-mile zip5 radius)

Insurance Cost

USD per year

Inputs: Flood zone, sqft, year built, post-Irma rebuild status, statewide carrier rate filings, Citizens reinsurance load

ROGO Buildability

0–100, higher = better

Inputs: Monroe County ROGO tier, point allocation, queue position, parcel zoning, FLUM

VR Income Eligibility

0–100, higher = better

Inputs: Jurisdiction (unincorporated Monroe / Marathon / KCB / Key West transient / Islamorada), license status, license cap headroom, projected ADR × occupancy

Climate Resilience

0–100, higher = better

Inputs: Elevation buffer above BFE, NOAA SLR exposure scenarios (3ft / 6ft / 10ft), post-Irma compliance, distance to coast

KeysIQ Score™

0–100 composite

Inputs: Weighted blend of the five inputs above. Weights tunable per audience (consumer vs investor vs insurance).

Data sources (all free + public)

  • FEMA NFHL ArcGIS REST — flood zones & BFE, cached 30 days
  • NOAA SLR ArcGIS REST — sea-level rise scenarios, cached 90 days
  • USGS Elevation Point Query Service (EPQS) — ground elevation, cached permanently
  • OpenFEMA NFIP Redacted Claims v2 — county-level claim density (zip5 aggregation only)
  • FDOT Statewide Parcels FeatureServer — parcel polygons, ownership, assessed value, refreshed quarterly
  • Monroe County qPublic / Geocortex — CAMA detail, zoning, FLUM, year built, sqft, sales history
  • Monroe County BPAS — building permits, post-Irma rebuild status, VR licenses

When scores can be wrong

  • Insurance estimates are estimates. Real quotes depend on carrier appetite, your loss history, and roof age in ways we can't observe from public records. Assume ±20–40% on any given quote.
  • ROGO data lags. The county updates the official queue weekly; if you're chasing buildability, verify against the current ROGO PDF before you make an offer.
  • VR-license rules change. Each jurisdiction has its own caps and rule cycles. Confirm with the city / county clerk before underwriting rental income.
  • FDOT parcel data is quarterly. Brand-new subdivisions may not appear for a quarter.

Estimates, not advice

KeysIQ outputs are decision support — never insurance quotes, legal advice, or appraisals. Verify against qPublic, FEMA MSC, and a licensed insurance agent before any offer.