494 West 40th Street, Miami Beach
Estimated number, map position is approximatetechnical data · neighborhood and transit
Quick answers
- Is 494 West 40th Street in a flood zone?
- Yes. FEMA maps it in Zone AE, a high-risk flood area with a base flood elevation of 7 ft. Federally backed lenders require flood insurance.
- What is the 2026 conforming loan limit in Miami-Dade County?
- $832,750 for a single-unit home, per FHFA. Larger loans are jumbo loans.
- Is radon a problem here?
- EPA radon zone 3, low potential.
- What natural disasters is 494 West 40th Street at risk for?
- FEMA's National Risk Index rates the area relatively moderate overall, with elevated hurricane and coastal flooding risk.
Safety and environment
FEMA natural hazard risk
Relatively Moderate
Highest for this area: hurricane, coastal flooding. These drive insurance cost here.
FEMA National Risk Index, census tract
FEMA flood zone
Zone AE
Special Flood Hazard Area: a 1% or higher chance of flooding each year. Base flood elevation 7 ft. Lenders backed by federal programs require flood insurance here. Ask for the elevation certificate and an insurance quote before you commit.
FEMA National Flood Hazard Layer (FIRM)
Leaking fuel tanks
8 within 1,650 ft
Nearest: Shell #240, 508 Arthur Godfrey Rd (350 ft), open. 3 still open. Ask whether groundwater or soil vapor testing was done.
EPA UST Finder, leaking underground storage tank releases
Radon potential
Low
Geology here keeps indoor radon low on average.
EPA and USGS Geologic Radon Potential Map
Wildfire risk
Relatively Low
Wildfire risk is low enough that standard home insurance usually covers it.
FEMA National Risk Index
Nearest public schools
1,050 ft
NORTH BEACH ELEMENTARY SCHOOL (1,050 ft), MIAMI BEACH NAUTILUS MIDDLE SCHOOL (2,050 ft), MIAMI BEACH SENIOR HIGH SCHOOL (5,100 ft). Confirm the assigned school with the district.
U.S. Department of Education, NCES
Sinkhole-prone ground
Limestone karst
The bedrock here (limestone, Miami Limestone) can dissolve and open sinkholes. Ask for a geotechnical report and check whether sinkhole coverage is in the insurance policy.
USGS Karst in the United States (OFR 2014-1156)
Conforming loan limit 2026
$832,750
Miami-Dade County. Mortgages up to this amount qualify for Fannie Mae and Freddie Mac pricing. Above it, the loan is a jumbo with stricter terms.
FHFA Conforming Loan Limit Values, one-unit
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More on West 40th Street
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What's worth checking in person before deciding.
- Test water pressure and temperature at the tap, in the bathroom and kitchen, for at least a minute.
- Ask for the latest maintenance bill from a winter month, not a summer one: that's where the real cost of living there shows up.
- Ask specifically where you'd park: is there paid city parking, who currently holds it, what the permit costs, and how long the waitlist is.
- Look at the stairwell (cleanliness, smell) and the association's notice board: unpaid dues, conflicts, recent decisions.
- Schedule a viewing on a weekday too, between 6:00 and 7:30 PM, the window when the building is busiest: neighbors, parking, elevator.
- Knock on a neighboring door and ask two things: what bothers them most often, and what work is planned for the building.
Neighborhood recommendations are derived from public OpenStreetMap data and may be incomplete. Checking in person is still what matters most.
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