Every Miami address sits in a FEMA flood zone, and the letter decides the insurance file: A and V zones are the special flood hazard area, X is outside it. Every coastal address also sits in a county evacuation zone, lettered A to E, that decides when an order to leave applies. Neither letter says whether your home gets wet; the floor height does. Here is how to read each for Continuum 12000.
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FEMA’s flood maps give every parcel a zone. AE is land where still water can rise in the hundred-year flood, VE is land that waves can reach, and each carries a base flood elevation in feet above sea level. X is outside the hazard area. A lender that finances a home in an A or V zone must require flood insurance; a cash buyer decides alone. The parcel for Continuum 12000 is read by its address. Where Continuum 12000 stands: Four-acre waterfront enclave overlooking Indian Creek on Biscayne Bay, North Miami; a tree-lined street on a pristine aquatic preserve with manatees, dolphins and sea turtles.
A new tower is built with its lowest finished floor above the base flood elevation, with a margin the code calls freeboard. A home on an upper floor at Continuum 12000 will not take surge water. What sits at grade can: the garage, the lobby and, in a poorly planned building, the switchgear, the pumps and the elevator machinery. The design that answers it: Kobi Karp (architecture); Paul Duesing Design Partners (interiors); Urban Robot (landscape).
Read it against the Kempinski Residences Miami Design District dossier for the nearest comparison.
Miami-Dade and Palm Beach counties map evacuation zones by storm surge, lettered A to E, with A nearest the water and ordered out first. The barrier islands and most of the bayfront sit in A or B. An order is for the zone, not a verdict on any one building: a tower built to the current code may stand perfectly well and the order still applies, because surge can cut off the roads, the power and the water for days. Many buildings close under an order. Ask what the rules at Continuum 12000 say, whether residents may stay, and who decides it is safe to reopen. The households that would leave together: 263 residences plus bayfront villas and penthouses in a 20-storey glass tower; one to three bedrooms, 1,035 to 3,543 square feet; 10-foot ceilings, floor-to-ceiling glass, oversized balconies; Sub-Zero and Wolf kitchens, Waterworks fittings, Calacatta marble baths, private en-suite cedar sauna.
After the storm the county lets residents back in by zone, and the building may need its own inspection first. Ask who at Continuum 12000 holds that authority and how owners abroad are told. The homes they come back to: The homes are as the dossier records.
Flood is excluded from the ordinary property policy. The association buys a master flood policy on the building where the lender or the board requires one; an owner’s HO-6 policy excludes flood, so contents and improvements need their own. Read the master policy’s limit and deductible beside the building’s replacement value; a gap there lands on the owners after a storm. Since October 2024 Florida law requires a seller to disclose, before contract, any flood insurance claims and any federal flood assistance on the property; from a developer the answer is usually none, and the form still belongs in the file. What a storm would test first at Continuum 12000: The Mermaid Club, about 150,000 square feet: saltwater pool with cabanas, 4,200 square foot fitness centre, yoga, Pilates, meditation and sound-bath studio, contrast therapy, longevity lounge, spa suite, private dining, co-working and a 24/7 marketplace; 1.5-acre waterfront playground with a marina, floating yoga deck, watersports dock, pickleball, multi-sport court and golf simulators.
Where an operator runs the building, ask who runs it in a storm: No brand or operator is recorded for this building.
Ask in writing for the FEMA zone and base flood elevation, the elevation of the lowest finished residential floor, the floor where the generator, switchgear, pumps and elevator machinery sit, the flood protection of the garage, the evacuation zone, the rules under an order, and the master flood policy’s limit and deductible. Who answers for Continuum 12000: 12000 Property Owners, LLC, under a brand license from Continuum Group IP Holdings; the Continuum brand of Ian Bruce Eichner and the Continuum Company, of Continuum South Beach. Vision letter signed by Allie Eichner, Continuum Company. The money committed by then: The deposit schedule is held by the desk and read with you before contract.
The trade-off is the water itself. The ocean or the bay that makes the address is the same water on the map: a high floor on the water is the safest place for the home in a storm and the least convenient for the owner, who must leave under an order. A home inland in an X zone carries a thinner file and a shorter view. The desk reads the flood map, the evacuation zone and the master flood policy summary for Continuum 12000 with you and your insurer before contract.
The map decides the paperwork. The floor height decides the water.
Developer materials for Continuum 12000 as carried on the live dossier, verified September 2026. Compiled by the desk at Miami Dossier; figures are approximate and the developer’s.
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