Owner Operator Insurance Requirements Key West, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Key West, Florida. We work with the top commercial truck insurance companies and will help you find affordable owner operators truck insurance.
We have a large network of commercial truck insurance companies Key West, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Key West, Florida in place you will be insured by a financially stable commercial truck insurance company. This is important for many reasons. Contact JDW Truckers Insurance and our agents will review the reasons owner operators should choose their insurance company wisely. Not all owner operator truck insurance policy are created equally.
We will help you customize your owner operators trucking insurance policy to suit your needs and fit your budget.
From one application we can shop & compare commercial truck insurance rates for the top-rated commercial truck insurance companies for you. We will help you find the required commercial truck insurance coverages at affordable rates.
Here are some of the top 10 commercial truck insurance companies which offer commercial truck insurance quotes.
We know trucking and the commercial trucking insurance requirements
- Knight
- Trisura
- Berkley Prime
- Falls Lake
- Progressive
- Travelers
- Seneca
- Great Lakes
- Allied World
- Allianz
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Markel
- Chubb
- Tokio Marine
- National General
- Lexington
- AIG
- Great American
- ACE / Westchester
- NICO
- National Casualty / Nationwide
- Scottsdale Brokerage
- IAT
- Crum Forster
- Canal
- Northland
- USLI
- James River
- IFG – Burlington
- Penn-America
- Century
- Hallmark
- Carolina Casualty
- Protective
Auto Liability Insurance
- Your auto liability or primary liability will be the major cost for your trucking insurance policy. Although the FMCAS can only require $750,000 in most cases shippers will require $1,000,000 in primary liability insurance coverage before they will allow you to pick up loads.
- Primary liability insurance covers damages to third parties for bodily injury and physical damage to others property in the event of an accident.
Medical Pay
- In most cases this is a low cost add on to your primary liability insurance to cover medical expenses.
PIP – Personal Injury Protection
- Some states require this coverage and, in many cases, can reduce the need for Medical Pay.
- Personal injury protection (PIP), also known as no-fault insurance, covers medical expenses and lost wages of you and your passengers if you’re injured in an accident. PIP coverage protects you regardless of who is at fault.
Uninsured Motorist
- If you’re hit by a driver with no insurance…
- Uninsured motorist bodily injury (UMBI) may pay medical bills for both you and your passengers.
- Uninsured motorist property damage (UMPD) may pay for damage to your vehicle.
Underinsured Motorist
- If you’re hit by a driver with not enough insurance…
- Underinsured motorist bodily injury (UIMBI) may pay medical bills for both you and your passengers
- Underinsured motorist property damage (UIMPD) may pay for damage to your vehicle
Motor Truck Cargo
- MTC or Cargo insurance provides insurance on the freight or commodity hauled by a for-hire trucker. It covers your liability for cargo that is lost or damaged due to causes like fire, collision or striking of a load.
- If your load is accidentally dumped on a roadway or waterway, some cargo forms offer Removal Expenses coverage pays for removing debris or extracting pollutants caused by the debris. And can also pay for costs related to preventing further loss to damaged cargo through Sue and Labor Coverage and legal expenses in the defense or settlement of claims. Another option is Earned Freight Coverage to cover freight charges the customer loses because of an undelivered load.
- Cargo insurance deductibles can be set at $1,000, $2,500, $5,000 or even higher if you are self-insured.
- Cargo coverage limits are normally set at $100,00 but some shippers may have higher requirements depending on the cargo you are hauling.
- Cargo policies can have exclusions stating what cargo it will or will not cover.
Trucking Physical Damage Insurance (PD)
- Physical damage insurance coverages are designed to pay for losses to your equipment and damages to others equipment. (Others equipment must be listed on your policy).
- If you own or lease equipment. You may be required to have PD by bank or leasing company to carry a set amount of physical damage insurance and name them as a Loss Payee.
- PD can also cover damage to others equipment you are in possession of if the coverage is listed on your policy. An example would be non-owned trailer insurance coverage.
- Deductibles for physical damage range from $1,000 to $5,000.
- Required deductibles. If you have a loan on your equipment or it is leased. They bank or leasing company may have a minimum deductible you can have on your physical damage policy.
Excess Liability Insurance
- Excess liability can sometimes be called umbrella insurance.
- The excess liability policy sits on top of your primary liability policy.
- For example, if you have $1,000,000 in primary lability coverage and you have a claim which exceeds the policy limit of $1,000,000. In most cases that is all the insurance carriers will try to pay out for a claim.
- Excess policy coverage starts at $1,000,000 and go up.
- So, let’s say you say you purchased a $1,000,000 excess policy. Now if you have a claim that is $1,500,000. Your primary would pay the first $1,000,000 and your excess would pay the remaining.
General Liability Insurance for Truckers
- General liability insurance for truckers should not be confused with primary liability for truckers.
- Similar to primary liability. General liability offers coverages to pay for physical damage to other and/or bodily injury to others. BUT there is a difference between the two.
- For example, if you are loading or unloading and you cause injury to someone or their property this is when the general liability policy would respond.
- The actions of a driver while representing the insured and on the premises of others, such as loading docks and truck stops
- General Liability is normally offered $1,000,00 per occurrence and $2,000,00 aggregate. What does this mean?
- It the insurance company will pay up to $1,000,000 for any one claim and no more than $2,000,000 per year for the total of all claims.
- General liability can be required by shippers and other companies such as the UIIA and flatbed operations.
- If there is any chance you might be involved in loading or unloading. General Liability is relatively inexpensive and is an advised coverage.
Non-Owned Trailer Insurance vs Trailer Interchange (TI)
- Both are insurance coverages are designed to cover damage to others trailers.
- Deductibles for either can range from $1,000 to $5,000.
- Coverage limits for either can range from $25,000 and up depending on the requirements of the company and/or shipper freight you are hauling for.
The difference between Non-Owned Trailer coverage and Trail Interchange coverage
- Non-owned trailer insurance covers physical damage to the trailer only when attached to a truck. And no written agreement is place.
- Trailer Interchange requires a written trailer interchange agreement to be in place. It can provide protection when you have care, custody and control of one, or many, trailers. Whether the trailer is attached to your truck or not.
Key West (Spanish: Cayo Hueso) is an island in the Straits of Florida, within the U.S. state of Florida. Together with all or parts of the separate islands of Dredgers Key, Fleming Key, Sunset Key, and the northern part of Stock Island, it constitutes the City of Key West.
The island of Key West is about 4 miles (6 kilometers) long and 1 mile (2 km) wide, with a total land area of 4.2 square miles (11 km). It lies at the southernmost end of U.S. Route 1, the longest north–south road in the United States. Key West is about 95 miles (153 km) north of Cuba at their closest points. It is also 130 miles (210 km) southwest of Miami by air, about 165 miles (266 km) by road, and 106 miles (171 km) north-northeast of Havana.
The city of Key West is the county seat of Monroe County, which includes a majority of the Florida Keys and part of the Everglades. The total land area of the city is 5.6 square miles (14.5 km). The population within the city limits was 26,444 at the 2020 census. The official city motto is “One Human Family”.
Key West is the southernmost city in the contiguous United States and the westernmost island connected by highway in the Florida Keys. Duval Street, its main street, is 1.1 miles (1.8 km) in length in its 14-block-long crossing from the Gulf of Mexico to the Straits of Florida and the Atlantic Ocean. Key West is the southern terminus of U.S. Route 1, State Road A1A, the East Coast Greenway and, before 1935, the Florida East Coast Railway. Key West is a port of call for many passenger cruise ships. The Key West International Airport provides airline service. Naval Air Station Key West is an important year-round training site for naval aviation due to the tropical weather, which is also the reason Key West was chosen as the site of President Harry S. Truman’s Winter White House. The central business district is located along Duval Street and includes much of the northwestern corner of the island.
At various times before the 19th century, people who were related or subject to the Calusa and the Tequesta inhabited Key West. The last Native American residents of Key West were Calusa refugees who were taken to Cuba when Florida was transferred from Spain to Great Britain in 1763.
Cayo Hueso (Spanish pronunciation: [ˈkaʝo ˈweso]) is the original Spanish name for the island of Key West. It literally means “bone cay”, cay referring to a low island or reef. It is said that the island was littered with the remains (bones) of prior native inhabitants, who used the isle as a communal graveyard. This island was the westernmost Key with a reliable supply of water.
Between 1763, when Great Britain took control of Florida from Spain, and 1821, when the United States took possession of Florida from Spain, there were few or no permanent inhabitants anywhere in the Florida Keys. Cubans and Bahamians regularly visited the Keys, the Cubans primarily to fish, while the Bahamians fished, caught turtles, cut hardwood timber, and salvaged wrecks. Smugglers and privateers also used the Keys for concealment. In 1766 the British governor of East Florida recommended that a post be set up on Key West to improve control of the area, but nothing came of it. During both the British and Spanish periods no nation exercised de facto control. The Bahamians apparently set up camps in the Keys that were occupied for months at a time, and there were rumors of permanent settlements in the Keys by 1806 or 1807, but the locations are not known. Fishermen from New England started visiting the Keys after the end of the War of 1812, and may have briefly settled on Key Vaca in 1818.
In 1815, the Spanish governor of Cuba in Havana deeded the island of Key West to Juan Pablo Salas, an officer of the Royal Spanish Navy Artillery posted in Saint Augustine, Florida. After Florida was transferred to the United States in 1821, Salas was so eager to sell the island that he sold it twice – first for a sloop valued at $575 to a General John Geddes, a former governor of South Carolina, and then to a U.S. businessman John W. Simonton, during a meeting in a Havana café on January 19, 1822, for the equivalent of $2,000 in pesos in 1821. Geddes tried in vain to secure his rights to the property before Simonton who, with the aid of some influential friends in Washington, was able to gain clear title to the island. Simonton had wide-ranging business interests in Mobile, Alabama. He bought the island because a friend, John Whitehead, had drawn his attention to the opportunities presented by the island’s strategic location. John Whitehead had been stranded in Key West after a shipwreck in 1819 and he had been impressed by the potential offered by the deep harbor of the island. The island was indeed considered the “Gibraltar of the West” because of its strategic location on the 90-mile (140 km)–wide deep shipping lane, the Straits of Florida, between the Atlantic Ocean and the Gulf of Mexico.
On March 25, 1822, Lt. Commander Matthew C. Perry sailed the schooner USS Shark to Key West and planted the U.S. flag, claiming the Keys as United States property. No protests were made over the American claim on Key West, so the Florida Keys became the de facto property of the United States.
After claiming the Florida Keys for the United States, Perry renamed Cayo Hueso (Key West) to Thompson’s Island for Secretary of the Navy Smith Thompson, and the harbor Port Rodgers in honor of War of 1812 hero and President of the Navy Supervisors Board John Rodgers. In 1823, Commodore David Porter of the United States Navy West Indies Anti-Pirate Squadron took charge of Key West, which he ruled as military dictator under martial law. The United States Navy gave Porter the mission of countering piracy and the slave trade in the Key West area.
Soon after his purchase, John Simonton subdivided the island into plots and sold three undivided quarters of each plot to:
Simonton spent the winter in Key West and the summer in Washington, where he lobbied hard for the development of the island and to establish a naval base on the island, both to take advantage of the island’s strategic location and to bring law and order to the town. He died in 1854.
The names of the four “founding fathers” of modern Key West were given to main arteries of the island when it was first platted in 1829 by William Adee Whitehead, John Whitehead’s younger brother. That first plat and the names used remained mostly intact and are still in use today. Duval Street, the island’s main street, is named after Florida’s first territorial governor, William Pope Duval, who served between 1822 and 1834 as the longest-serving governor in Florida’s U.S. history.
William Whitehead became chief editorial writer for the Enquirer, a local newspaper, in 1834. He preserved copies of his newspaper as well as copies from the Key West Gazette, its predecessor. He later sent those copies to the Monroe County clerk for preservation, which gives us a view of life in Key West in the early days (1820–1840).
In the 1830s, Key West was the richest city per capita in the United States.
In 1846, the city suffered severely from the 1846 Havana hurricane.
In 1852 the first Catholic Church, St. Mary’s Star-Of-The-Sea, was built. The year 1864 became a landmark for the church in South Florida when five Sisters of the Holy Names of Jesus and Mary arrived from Montreal, Canada, and established the first Catholic school in South Florida. At the time it was called Convent of Mary Immaculate. The school is still operating today and is now known as Mary Immaculate Star of the Sea School.
During the American Civil War, while Florida seceded and joined the Confederate States of America, Key West remained in U.S. Union hands because of the naval base. Most locals were sympathetic to the Confederacy, however, and many flew Confederate flags over their homes. However, Key West was also home to a large free black population. This population grew during the war as more enslaved black people fled from their masters and came under the relative safety of the Union garrison there. Fort Zachary Taylor, constructed from 1845 to 1866, was an important Key West outpost during the Civil War. Construction began in 1861 on two other forts, East and West Martello Towers, which served as side armories and batteries for the larger fort. When completed, they were connected to Fort Taylor by railroad tracks for movement of munitions. Early in 1864, 900 men from the 2nd United States Colored Troops (USCT) arrived in Key West as replacements for the 47th Pennsylvania Volunteers. Many of these men would see action in southern Florida and the 2nd USCT would become “one of the most active” black regiments in Florida. Fort Jefferson, located about 68 miles (109 km) from Key West on Garden Key in the Dry Tortugas, served after the Civil War as the prison for Samuel A. Mudd, convicted of conspiracy for setting the broken leg of John Wilkes Booth, the assassin of President Abraham Lincoln.
In the 19th century, major industries included wrecking, fishing, turtling, and salt manufacturing. From 1830 to 1861, Key West was a major center of U.S. salt production, harvesting the commodity from the sea (via receding tidal pools) rather than from salt mines. After the outbreak of the Civil War, Union troops shut down the salt industry after Confederate sympathizers smuggled the product into the South. Salt production resumed at the end of the war, but the industry was destroyed by an 1876 hurricane and never recovered, in part because of new salt mines on the mainland.
During the Ten Years’ War (an unsuccessful Cuban war for independence in the 1860s and 1870s), many Cubans sought refuge in Key West. Several cigar factories relocated to the city from Cuba, and Key West quickly became a major producer of cigars. A fire on April 1, 1886, that started at a coffee shop next to the San Carlos Institute and spread out of control, destroyed 18 cigar factories and 614 houses and government warehouses. Some factory owners chose not to rebuild and instead moved their operations to the new community of Ybor City in Tampa, leading to a slow decline in the cigar industry in Key West. Still, Key West remained the largest and wealthiest city in Florida at the end of the 1880s.
USS Maine sailed from Key West on her fateful visit to Havana, where she blew up and sank in Havana Harbor, igniting the Spanish–American War. Crewmen from the ship are buried in Key West, and the Navy investigation into the blast occurred at the Key West Customs House.
In October 1909, Key West was devastated by the 1909 Florida Keys hurricane. Further damage was suffered the following year in the 1910 Cuba hurricane.
Key West was relatively isolated until 1912, when it was connected to the Florida mainland via the Overseas Railway extension of Henry M. Flagler’s Florida East Coast Railway (FEC). Flagler created a landfill at Trumbo Point for his railyards.
The 1919 Florida Keys hurricane caused catastrophic damage to the city.
On December 25, 1921, Manuel Cabeza was lynched by members of the Ku Klux Klan for living with a black woman.
Pan American Airlines was founded in Key West, originally to fly visitors to Havana, in 1926. The airline contracted with the United States Postal Service in 1927 to deliver mail to and from Cuba and the United States. The mail route was known as the Key West, Florida – Havana Mail Route.
The Labor Day Hurricane of 1935 destroyed much of the Overseas Railway and killed hundreds of residents, including around 400 World War I veterans who were living in camps and working on federal road and mosquito-control projects in the Middle Keys. The FEC could not afford to restore the railroad.
The U.S. government then rebuilt the rail route as an automobile highway, completed in 1938, built atop many of the footings of the railroad. It became an extension of U.S. Route 1. The portion of U.S. 1 through the Keys is called the Overseas Highway. Franklin Roosevelt toured the road in 1939.
During World War II, more than 14,000 ships came through the island’s harbor. The population, because of an influx of soldiers, sailors, laborers, and tourists, sometimes doubled or even tripled at times during the war.
Starting in 1946, US President Harry S. Truman established a working vacation home in Key West, the Harry S. Truman Little White House, where he would spend 175 days of his presidency.
In 1948, Key West suffered damage from two hurricanes within as many months, from the September 1948 Florida hurricane then the 1948 Miami hurricane.
Prior to the Cuban revolution of 1959, there were regular ferry and airplane services between Key West and Havana.
John F. Kennedy was to use “90 miles from Cuba” extensively in his speeches against Fidel Castro. Kennedy himself visited Key West a month after the resolution of the Cuban Missile Crisis.
In 1982, the city of Key West briefly asserted independence as the Conch Republic as a protest over a United States Border Patrol blockade. This blockade was set up on US 1, where the northern end of the Overseas Highway meets the mainland at Florida City. A traffic jam of 17 miles (27 km) ensued while the Border Patrol stopped every car leaving the Keys, supposedly searching for illegal immigrants attempting to enter the mainland United States. This paralyzed the Florida Keys, which rely heavily on the tourism industry. Flags, T-shirts and other merchandise representing the Conch Republic are still popular souvenirs for visitors to Key West, and the Conch Republic Independence Celebration—including parades and parties—is celebrated annually, on April 23.
In 1998 Hurricane Georges damaged the city.
In 2017, Hurricane Irma caused substantial damage with wind and flooding, killing three people.
Key West is an island located at 24°33′55″N 81°46′33″W / 24.565176°N 81.775794°W in the Straits of Florida. The island is about 4 miles (6 km) long and 1 mile (2 km) wide, with a total land area of 4.2 square miles (10.9 km2; 2,688.0 acres). The average elevation above sea level is about 8 feet (2.4 m) and the maximum elevation is about 18 feet (5.5 m), within a 1-acre (0-hectare) area known as Solares Hill.
The city of Key West is the southernmost city in the contiguous United States, and the island is the westernmost island connected by highway in the Florida Keys. The city boundaries include the island of Key West and several nearby islands, as well as the section of Stock Island north of U.S. Route 1, on the adjacent key to the east. The total land area of the city is 5.6 square miles (15 km2), with an additional 1.6 square miles (4.1 km) of surrounding water within the city limits. Sigsbee Park—originally known as Dredgers Key—and Fleming Key, both located to the north, and Sunset Key located to the west are all included in the city boundaries. Both Fleming Key and Sigsbee Park are part of Naval Air Station Key West and are inaccessible to the general public.
In the late 1950s, many of the large salt ponds on the eastern side of the island were filled in. The new section on the eastern side is called New Town, which contains shopping centers, retail malls, residential areas, schools, ball parks, and Key West International Airport.
Key West and most of the rest of the Florida Keys are on the dividing line between the Atlantic Ocean and the Gulf of Mexico. The two bodies have different currents, with the calmer and warmer Gulf of Mexico being characterized by great clumps of seagrass. The area where the two bodies merge between Key West and Cuba is called the Straits of Florida. The warmest ocean waters anywhere on the United States mainland are found in the Florida Keys in winter, with sea surface temperatures averaging in the 75–77 °F (24–25 °C) range in December through February.
Duval Street is the main street in Key West and is 1.1 miles (1.8 km) in length in its 14-block-long crossing from the Gulf of Mexico to the Straits of Florida and the Atlantic Ocean.
Key West is closer to Havana (about 106 miles or 171 kilometers by air or sea) than it is to Miami (130 miles or 210 kilometers by air or 165 miles or 266 kilometers by road). Key West is the usual endpoint for marathon swims from Cuba, including Diana Nyad’s 2013 record-setting swim as the first completed without a shark cage or fins and Susie Maroney’s 1997 swim from within a shark cage.
The earliest Key West neighborhoods, on the western part of the island, are broadly known as Old Town. The Key West Historic District includes the major tourist destinations of the island, including Mallory Square, Duval Street, the Truman Annex and Fort Zachary Taylor. Old Town is where the classic bungalows and guest mansions are found. Bahama Village, southwest of Whitehead Street, features houses, churches, and sites related to its Afro-Bahamian history. The Meadows, lying northeast of the White Street Gallery District, is exclusively residential.
Generally, the structures date from 1886 to 1912. The basic features that distinguish the local architecture include wood-frame construction of one- to two-and-a-half-story structures set on foundation piers about three feet (one meter) above the ground. Exterior characteristics of the buildings are peaked metal roofs, horizontal wood siding, gingerbread trim, pastel shades of paint, side-hinged louvered shutters, covered porches (or balconies, galleries, or verandas) along the fronts of the structures, and wood lattice screens covering the area elevated by the piers.
Some antebellum structures survive, including the Oldest (or Cussans-Watlington) House (1829–1836) and the John Huling Geiger House (1846–1849), now preserved as the Audubon House and Tropical Gardens. Fortifications such as Fort Zachary Taylor, the East Martello Tower, and the West Martello Tower, helped ensure that Key West would remain in Union control throughout the Civil War. Another landmark built by the federal government is the Key West Lighthouse, now a museum.
Two of the most notable buildings in Old Town, occupied by prominent twentieth-century residents, are the Ernest Hemingway House, where the writer lived from 1931 to 1939, and the Harry S. Truman Little White House, where the president spent 175 days of his time in office. Additionally, the residences of some historical Key West families are recognized on the National Register of Historic Places as important landmarks of history and culture, including the Porter House on Caroline Street and the Gato House on Virginia Street.
Several historical residences of the Curry family remain extant, including the Benjamin Curry House, built by the brother of Florida’s first millionaire, William Curry, as well as the Southernmost House and the Fogarty Mansion, built by the children of William Curry—his daughter Florida and son Charles, respectively.
In addition to architecture, Old Town includes the Key West Cemetery, founded in 1847, containing above-ground tombs, notable epitaphs, and a plot where some of the dead from the 1898 explosion of USS Maine are buried.
The Casa Marina area takes its name from the Casa Marina Hotel, opened in 1921, the neighborhood’s most conspicuous landmark. The Reynolds Street Pier, Higgs Beach, the West Martello Tower, the White Street Pier, and Rest Beach line the waterfront.
One of the most popular attractions on the island is a concrete replica of a buoy at the corner of South and Whitehead Streets that claims to be the southernmost point in the contiguous United States. The point was originally marked with a basic sign. The city of Key West erected the current monument in 1983. The monument was repainted after damage by Hurricane Irma in 2017, and is the most often photographed tourist site in the Florida Keys.
The monument is labeled “Southernmost point continental U.S.A.”, though Whitehead Spit is the actual southernmost point of Key West, on the Truman Annex property just west of the buoy. The spit has no marker since it is on U.S. Navy land that cannot be entered by civilian tourists. The private property directly to the east of the buoy, and the beach areas of Truman Annex and Fort Zachary Taylor Historic State Park, also lie farther south than the buoy. The southernmost point of the contiguous United States is Ballast Key, a privately owned island just south and west of Key West. The southernmost location that the public can visit is the beach at Fort Zachary Taylor park.
The monument states “90 Miles to Cuba”, though Key West and Cuba are about 95 statute miles (153 kilometers; 83 nautical miles), apart at their closest points. The distance from the monument to Havana is about 90 nautical miles (104 statute miles; 167 kilometers).
The first public library was officially established in 1853, which was housed in the then-Masonic Temple on Simonston Street, near where the federal courthouse is today. At the time, the first library president was James Lock, with the librarian being William Delaney. At the time, the library collected held 1,200 volumes for residents to access.
In 1919, a hurricane destroyed the library. Key West residents moved the library to various locations across the island. The county took over and finally found a permanent location. The library’s new location was found in 1959. It was built on Fleming Street, where it is still found today.
In 1961, the Monroe County Library System sponsored a bookmobile, “Spoonbill”, to service the entire Keys. By 1962, “Spoonbill” was making stops in ten different Keys, over one hundred miles, from Key Largo in the North to Key West in the South. Mrs. Barbara Banning was the driver-librarian, driving over 25,000 miles in the first year and a half, circulating more than 28,000 titles. On Mondays, the “Spoonbill” would be loaded with books in Key West and Banning and her assistant, or volunteer, would drive up to Key Largo, Tavernier, and Islamorada, stopping for an hour in each location; Wednesdays the “Spoonbill” made stops in Marathon, Big Pine, Little Torch, and Summerland. On Thursdays, the “Spoonbill” would only travel twenty miles from home base making stops in Bay Point, Big Coppitt, and Gulf Rest. At Bay Point there was a popular children’s story hour, servicing roughly three hundred school-age children and led by former kindergarten teacher, Mrs. Ernest Hense.
The Key West Library has an ever-expanding collection of 70,000 items. One of these includes a letter from singer/songwriter Jimmy Buffett. Dated from October 22, 1984, the letter expresses gratitude for the library in giving inspiration for the songs he would eventually write, and for the air conditioning. As of 2022, the Key West Library is a part of the Monroe County Public Library System.
Several U.S. presidents have visited Key West with the first being Ulysses S. Grant in 1880, followed by Grover Cleveland in 1889, and William Howard Taft in 1912. Taft was the first president to use the first officer’s quarters that would later be known as the Little White House. Franklin D. Roosevelt visited the Florida Keys many times, beginning in 1917.
Harry S. Truman visited Key West for a total of 175 days on 11 visits during his presidency and visited five times after he left office. His first visit was in 1946. The Little White House and Truman Annex take their names from his frequent and well-documented visits. The residence is also known as the Winter White House as Truman stayed there mostly in the winter months, and used it for official business such as the Truman Doctrine.
Dwight D. Eisenhower stayed at the Little White House following a heart attack in 1955. John F. Kennedy visited Key West in March 1961, and in November 1962, a month after the resolution of the Cuban Missile Crisis. Jimmy Carter visited the Little White House twice with his family after he had left office, in 1996 and 2007.
Legend has it that Ernest Hemingway wrote part of A Farewell to Arms while living above the showroom of a Key West Ford dealership at 314 Simonton Street while awaiting delivery of a Ford Model A roadster purchased by the uncle of his wife Pauline in 1928.
Hardware store owner Charles Thompson introduced him to deep-sea fishing. Among the group who went fishing was Joe Russell (also known as Sloppy Joe). Russell was reportedly the model for Freddy in To Have and Have Not. The group had nicknames for each other, and Hemingway wound up with “Papa”.
Pauline’s rich uncle Gus Pfeiffer bought the 907 Whitehead Street house in 1931 as a wedding present. The Hemingways installed a swimming pool for $20,000 in 1937–38 (equivalent to about $307,056 in 2021). The unexpectedly high cost prompted Hemingway to put a penny in the wet cement of the patio, saying, “Here, take the last penny I’ve got!” The penny is at the north end of the pool.
During his stay he wrote or worked on Death in the Afternoon, For Whom the Bell Tolls, The Snows of Kilimanjaro, and The Short Happy Life of Francis Macomber. He used Depression-era Key West as one of the locations in To Have and Have Not—his only novel with scenes that occur in the United States.
The six- or seven-toed polydactyl cats descended from Hemingway’s original pet “Snowball” still live on the grounds and are cared for at the Hemingway House, despite complaints by the U.S. Department of Agriculture that they are not kept free from visitor contact. The Key West City Commission has exempted the house from a law prohibiting more than four domestic animals per household.
Pauline and Hemingway divorced in 1939; Hemingway only occasionally visited when returning from Havana until his suicide in 1961.
Tennessee Williams first became a regular visitor to Key West in 1941 and is said to have written the first draft of A Streetcar Named Desire while staying in 1947 at the La Concha Hotel. He bought a permanent house in 1949 and listed Key West as his primary residence until his death in 1983. In contrast to Hemingway’s grand house in Old Town, the Williams home at 1431 Duncan Street in the “unfashionable” New Town neighborhood is a very modest bungalow. The house is privately owned and not open to the public. The Academy Award-winning film version of his play The Rose Tattoo was shot on the island in 1956. The Tennessee Williams Theatre is located on the campus of Florida Keys Community College on Stock Island.
Even though Hemingway and Williams lived in Key West at the same time, they reportedly met only once—at Hemingway’s home in Cuba, Finca Vigía.
The Port of Key West includes Key West Bight, Garrison Bight at City Marina, as well as three docks utilized by cruise ships.
The first cruise ship to adopt the port was the Sunward in 1969. It docked at Pier B, which was owned at that time by the U.S. Navy.
In 1984, the city opened a cruise terminal at Mallory Square. The decision was met with opponents who claimed that it would disrupt the tradition of watching the sunset at Mallory Square.
In 2013, a referendum to widen the ship channel was defeated by 73% of voters. The proposal, backed by the Key West Chamber of Commerce, was intended to accommodate larger cruise ships and would have required dredging 17 acres of sea bottom, which includes endangered corals, in the protected Florida Keys National Marine Sanctuary.
In 2020, Key West voters approved three amendments to the City Charter which prohibit large cruise ships, limit daily disembarkations, and prioritize cruise ships with superior public health and environmental records. The amendments, sponsored by the Key West Committee for Safer, Cleaner Ships, passed with 61% to 81% approval.
Key West has a tropical savanna climate (Köppen Aw, similar to the Caribbean islands). Summers are hot but can feel very hot considering high humidity. Spring and fall are warm to hot, and winter is warm. Like most tropical climates, Key West has only a small difference in monthly mean temperatures between the coolest month (January) and the warmest month (July) – with the annual range of monthly mean temperatures around 15 °F (8.3 °C). The lowest recorded temperature in Key West is 41 °F (5 °C) on January 12, 1886, and January 13, 1981. Key West is located in USDA plant hardiness zone 12a, with an annual mean minimum temperature of 50 °F (10 °C).
Prevailing easterly tradewinds and sea breezes suppress the usual summertime heating, with temperatures rarely reaching 95 °F (35 °C). There are 56 days per year with 90 °F (32 °C) or greater highs, with the average window for such readings June 8 through September 24, shorter than almost the entire southeastern U.S. Low temperatures often remain above 80 °F (27 °C), however. The all-time record high temperature is 97 °F (36 °C) on July 19, 1880, and August 29, 1956.
Like most tropical climates, Key West has a two-season wet and dry climate. The period from November through April is normally sunny and quite dry, with only 25 percent of the annual rainfall occurring. May through October is normally the wet season. During the wet season some rain falls on most days, often as brief, but heavy tropical downpours, followed by intense sun. Early morning is the favored time for these showers, which is different from mainland Florida, where showers and thunderstorms usually occur in the afternoon. Easterly (tropical) waves during this season occasionally bring excessive rainfall, while infrequent hurricanes may be accompanied by unusually heavy amounts. On average, rainfall markedly peaks between August and October; the single wettest month in Key West is September, when the threat from tropical weather systems (hurricanes, tropical storms and tropical depressions) is greatest. Key West is the driest city in Florida, averaging just over 40 inches (1,000 mm) of rain per year. This is driven primarily by Key West’s relative dryness in May, June and July. In mainland Florida peninsular areas like Orlando, Tampa/St. Petersburg and Fort Myers, June and July average monthly rainfalls typically reach 7 to 10 inches (180 to 250 mm), while Key West has only half such amounts over the same period.
Key West, like the rest of the Florida Keys, is vulnerable to hurricanes. In recent history, the island has been relatively unaffected by major storms. The most recent hurricane to impact Key West was Hurricane Irma, which made landfall in the Keys in the morning of September 10, 2017 as a Category 4 storm.
Some locals maintain that Hurricane Wilma on October 24, 2005, was the worst storm in memory. The entire island was told to evacuate and business owners were forced to shut their doors. After the hurricane had passed, the resulting storm surge sent eight feet (two meters) of water inland completely inundating a large portion of the lower Keys. Low-lying areas of Key West and the lower Keys, including major tourist destinations, were under as much as three feet (one meter) of water. Sixty percent of the homes in Key West were flooded. The higher parts of Old Town, such as the Solares Hill and cemetery areas, did not flood, because of their higher elevations of 12 to 18 feet (4 to 5 m). The surge destroyed tens of thousands of cars throughout the lower Keys, and many houses were flooded with one to two feet (thirty to sixty-one centimeters) of sea water. A local newspaper referred to Key West and the lower Keys as a “car graveyard”. The peak of the storm surge occurred when the eye of Wilma had already passed over the Naples area, and the sustained winds during the surge were less than 40 mph (64 km/h; 35 kn). The storm destroyed the piers at the clothing-optional Atlantic Shores Motel and breached the shark tank at the Key West Aquarium, freeing its sharks. Damage postponed the island’s famous Halloween Fantasy Fest until the following December. MTV’s The Real World: Key West was filming during the hurricane and deals with the storm.
In September 2005, NOAA opened its National Weather Forecasting building on White Street. The building is designed to withstand a Category 5 hurricane and its storm surge.
The most intense previous hurricane was Hurricane Georges, a Category 2, in September 1998. The storm damaged many of the houseboats along “Houseboat Row” on South Roosevelt Boulevard near Cow Key channel on the east side of the island.
As of the census of 2020, there were 26,444 people, 10,501 households, and 5,463 families residing in Key West. The population density was 4,285.0 inhabitants per square mile (1,654.4 inhabitants/km2). There were 13,306 housing units at an average density of 2,237.9 per square mile (864.1/km). There were 10,501 households, out of which 19.9% had children under the age of 18 living with them, 37.7% were married couples living together, 8.2% had a female householder with no husband present, and 50.4% were classified as non-families. Of all households, 31.4% were made up of individuals, and 8.1% had someone living alone who was 65 years of age or older. The average household size was 2.23 and the average family size was 2.84.
The population was spread out, with 16.0% under the age of 18, 8.4% from 18 to 24, 37.1% from 25 to 44, 26.7% from 45 to 64, and 11.7% who were 65 years of age or older. The median age was 39 years. For every 100 females, there were 122.3 males. For every 100 females age 18 and over, there were 126.0 males.
The median income for a household was $43,021, and the median income for those classified as families was $50,895. Males had a median income of $30,967 versus $25,407 for females. The per capita income for the city was $26,316. About 5.8% of families and 10.2% of the population were below the poverty line, including 11.5% of those under age 18 and 11.3% of those age 65 or over.
The ancestries most reported in 2000 were English (12.4%), German (12.2%), Irish (11.3%), Italian (6.8%), American (6.0%) and French (3.6%).
The number of families (as defined by the Census Bureau) declined dramatically in the last four decades of the 20th century. In 1960 there were 13,340 families in Key West, with 42.1% of households having children living in them. By 2000 the population had dwindled to 5,463 families, with only 19.9% of households having children living in them.
As of 2000, 76.66% spoke English as a first language, while Spanish was spoken by 17.32%, 1.06% spoke Italian, 1.02% spoke French, and German spoken as a mother tongue was at 0.94% of the population. In total, other languages spoken besides English made up 25.33% of residents.
Many of the residents of Key West were immigrants from the Bahamas, known as Conchs (pronounced “conks”‘), who arrived in increasing numbers after 1830. Many were sons and daughters of Loyalists who fled to the nearest Crown soil during the American Revolution. In the 20th century many residents of Key West started referring to themselves as Conchs, and the term is now generally applied to all residents of Key West. Some residents use the term “Conch” (or, alternatively, “Saltwater Conch”) to refer to a person born in Key West, while the term “Freshwater Conch” refers to a resident not born in Key West but who has lived in Key West for seven years or more. The true original meaning of Conch applies only to someone with European ancestry who immigrated from the Bahamas, however. It is said that when a baby was born, the family would put a conch shell on a pole in front of their home.
Many of the black Bahamian immigrants who arrived later lived in Bahama Village, an area of Old Town next to the Truman Annex.
Key West is closer to Havana (106 miles or 171 kilometres) than it is to Miami (130 mi; 210 km). In 1890, Key West had a population of nearly 18,800 and was the biggest and richest city in Florida. Half the residents were said to be of Cuban origin, and Key West regularly had Cuban mayors, including the son of Carlos Manuel de Céspedes, father of the Cuban Republic, who was elected mayor in 1876. Cubans were actively involved in reportedly 200 factories in town, producing 100 million cigars annually. José Martí made several visits to seek recruits for Cuban independence starting in 1891 and founded the Cuban Revolutionary Party during his visits to Key West.
Key West was flooded with refugees during the Mariel Boatlift. Refugees continue to come ashore and, on at least one occasion, most notably in April 2003, flew hijacked Cuban Airlines planes into the city’s airport.
Key West Government is governed via the mayor-council system. The city council is known as the city commission. It consists of six members each elected from individual districts. The mayor is elected in a citywide vote.
Mayors of Key West have reflected the city’s cultural and ethnic heritage. Among its mayors are the first Cuban mayor and one of the first openly gay mayors. One mayor is also famous for having water-skied to Cuba.
NAS Key West, Boca Chica and the Truman Annex have been the home of U.S. ships, submarines, Pegasus-class hydrofoils, Fighter Training Squadrons like the current VFC-111 “Sundowners”, and Light Photographic Reconnaissance Squadrons like the former VFP-62 “Fighting Photos” during the Cuban Missile Crisis. NAS Key West is still a training facility for US Naval Aviation personnel.
Key West has had a military presence since 1823, shortly after its purchase by Simonton in 1822. John W. Simonton lobbied the U.S. government to establish a naval base on Key West, both to take advantage of its strategic location and to bring law and order to the Key West town. On March 25, 1822, naval officer Matthew C. Perry sailed the schooner Shark to Key West and planted the U.S. flag claiming the Keys as United States property. In 1823, a naval base was established to protect shipping merchants in the lower keys from pirates that would eventually evolve through the Civil War, the Spanish American War, two world wars, and the Cold War as Naval Station Key West, eventually home to the Fleet Sonar School, Marine Barracks Key West, Submarine Squadron 4, Submarine Squadron 12, Destroyer Squadron 12, and various diesel-powered submarines and surface ships. NAVSTA Key West was closed in 1974 as part of post-Vietnam War force reductions across the Department of Defense. A portion of the original NAVSTA Key West still remains under Navy control as Naval Air Station Key West-Truman Annex while a portion containing Fort Zachary Taylor was conveyed to the State of Florida as Fort Zachary Taylor State Park. The Truman Little White House has also been preserved as a museum based on its history as a part-time residence of President Harry S. Truman during his presidency. The remainder of the original base was conveyed to civilian control for redevelopment and now comprises The Key West Amphitheater, Truman Waterfront Park, residential redevelopment consisting of both homes and condominiums, and a portion of Mallory Square.
Key West was always an important military post, since it sits at the northern edge of the deepwater channel connecting the Atlantic and the Gulf of Mexico (the southern edge 90 miles [140 km] away is Cuba) via the Florida Straits. Because of this, Key West since the 1820s had been dubbed the “Gibraltar of the West”. Fort Taylor was initially built on the island. The Navy added a small base from which USS Maine sailed to its demise in Havana at the beginning of the Spanish–American War which later evolved into NAVSTA Key West.
At the beginning of World War II the Navy increased its presence from 50 to 3,000 acres (20 to 1,214 hectares), including all of Boca Chica Key’s 1,700 acres (690 ha) and the construction of Fleming Key from landfill. The Navy built the first water pipeline extending the length of the Keys, bringing fresh water from the mainland to supply its bases. At its peak 15,000 military personnel and 3,400 civilians were at the base. Included in the base are:
Key West is part of the Miami-Fort Lauderdale television market. It is served by rebroadcast transmitters in Key West and Marathon that repeat the Miami-Fort Lauderdale stations. Comcast provides cable television service. DirecTV and Dish Network provide Miami-Fort Lauderdale local stations and national channels.
The Key West area has 11 FM radio stations, 4 FM translators, and 2 AM stations. WEOW 92.7 is the home of The Rude Girl & Molly Blue, a popular morning zoo duo; Bill Bravo is the afternoon host. SUN 99.5 has Hoebee and Miss Loretta in the p.m. drive. Island 106.9 FM is the only locally owned, independent FM station in Key West, featuring alternative rock music and community programs.
The Florida Keys Keynoter and the Key West Citizen are published locally and serve Key West and Monroe County. The Southernmost Flyer, a weekly publication printed in conjunction with the Citizen, is produced by the Public Affairs Department of Naval Air Station Key West and serves the local military community. Key West the Newspaper (known locally as The Blue Paper due to its colorful header) is a local weekly investigative newspaper, established in 1994 by Dennis Cooper, taken over in 2013 as a fully digital publication by Arnaud and Naja Girard.
In October 2022, TheKeys411.com launched KeyWestPlus.com, or KeyWest+, on Roku. The channel spotlights local musicians, people of interest, and lifestyle topics in Key West and The Florida Keys.
Monroe County School District operates public schools in Key West.
District-operated elementary schools serving the City of Key West include Poinciana Elementary School, which is located on the island of Key West, and Gerald Adams Elementary School, which is located on Stock Island. District-operated middle and high schools include Horace O’Bryant School, a former middle school that now operates as a K–8 school, and the Key West High School. All of Key West is zoned to Horace O’Bryant School for grades 6–8 and to Key West High School for grades 9–12. Sigsbee Charter School is a K–8 school, sanctioned by the District and serving predominantly military dependent children as well as children from the community at large. Admission to Sigsbee Charter School is limited and the waiting list is managed by a lottery system. Key West Montessori Charter School is a district-sanctioned charter school on Key West Island.
The main campus of The College of the Florida Keys (formerly Florida Keys Community College) is located in Key West.