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 Four Seasons Private Residences Coconut Grove.
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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 Four Seasons Private Residences Coconut Grove is read by its address. Where Four Seasons Private Residences Coconut Grove stands: The position is as the dossier records.
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 Four Seasons Private Residences Coconut Grove 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: Revuelta Architecture International.
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 Four Seasons Private Residences Coconut Grove say, whether residents may stay, and who decides it is safe to reopen. The households that would leave together: 20 storeys, 70 residences.
After the storm the county lets residents back in by zone, and the building may need its own inspection first. Ask who at Four Seasons Private Residences Coconut Grove holds that authority and how owners abroad are told. The homes they come back to: Typical residences from about 2,025 to 3,975 square feet; every residence with a water view; dedicated elevator access to private foyers; ceilings 10 feet or higher, 11 feet or higher on terraces; terraces at least 10 feet deep with glass railings; Molteni kitchens and Italian marble bathrooms by Michele Bönan; penthouses not listed on the sheet.
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 Four Seasons Private Residences Coconut Grove: Signature restaurant on the first level with in-residence dining; serviced pool deck; gym and yoga room; spa with treatment rooms, jacuzzi and water experience; lounge and bar; kids area; party room; bicycle storage; à la carte in-residence dining, spa, housekeeping, grocery provisioning, butler, wellness programs, dog grooming, catering and car wash.
Where an operator runs the building, ask who runs it in a storm: The Four Seasons name under licence from Four Seasons Hotels Limited; an appointed Director of Residence, residential concierge, doorman and bellman, 24/7 security and valet, 24 hour on-call emergency repair; not owned, developed or sold by Four Seasons.
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 Four Seasons Private Residences Coconut Grove: CMC Group and Fort Partners; developer of record M-2699 S Bayshore Owner LLC; sales by Fort Realty LLC and CMC Real Estate LLC. The money committed by then: As published on the developer fact sheet: 20 percent at contract, 20 percent at groundbreaking; the balance per the purchase agreement, held by the desk.
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 Four Seasons Private Residences Coconut Grove with you and your insurer before contract.
The map decides the paperwork. The floor height decides the water.
Developer materials for Four Seasons Private Residences Coconut Grove as carried on the live dossier, verified 28 Sep 2026. Compiled by the desk at Miami Dossier; figures are approximate and the developer’s.
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