The Florida Reef (also known as the Great Florida Reef, Florida reefs, Florida Reef Tract and Florida Keys Reef Tract) is the only living coral barrier reef in the continental United States. It is the third largest coral barrier reef system in the world (after the Great Barrier Reef and Belize Barrier Reef). It lies a few miles seaward of the Florida Keys, is about 4 miles (6 to 7 km) wide and extends (along the 20 meter depth contour) 270 km (170 mi) from Fowey Rocks just east of Soldier Key to just south of the Marquesas Keys. The barrier reef tract forms a great arc, concentric with the Florida Keys, with the northern end, in Biscayne National Park, oriented north-south and the western end, south of the Marquesas Keys, oriented east-west. The rest of the reef outside Biscayne National Park lies within John Pennekamp Coral Reef State Park and the Florida Keys National Marine Sanctuary. Isolated coral patch reefs occur northward from Biscayne National Park as far north as Stuart, in Martin County. Coral reefs are also found in Dry Tortugas National Park west of the Marquesas Keys. There are more than 6,000 individual reefs in the system. The reefs are 5,000 to 7,000 years old, having developed since sea levels rose following the Wisconsinan glaciation.
The densest and most spectacular reefs, along with the highest water clarity, are found to the seaward of Key Largo (in and beyond John Pennekamp Coral Reef State Park) and Elliott Key where the two long keys help protect the reefs from the effects of water exchange with Florida Bay, Biscayne Bay, Card Sound and Barnes Sound. The bays and sounds (all between the Florida Keys and the mainland) tend to have lower salinity, higher turbidity and wider temperature variations than the water in the open ocean. Channels between the Keys allow brackish water from the bays to flow onto the reefs (especially in the middle Keys), limiting their growth.
The Florida Reef consists of two ridges separated from the Florida Keys by the Hawk Channel. Closest to the Keys is a sand ridge called White Bank, covered by large beds of sea grass, with patch reefs scattered across it. Further out to sea on the edge of the Florida Straits is the second ridge forming the outer reefs, covered by reefs and hard banks composed of coral rubble and sand.
Almost 1,400 species of marine plants and animals, including more than 40 species of stony corals and 500 species of fish, live on the Florida Reef. The Florida Reef lies close to the northern limit for tropical corals, but the species diversity on the reef is comparable to that of reef systems in the Caribbean Sea.
The Florida Museum of Natural History defines three communities on the Florida reefs. The hardbottom community lies closest to the Florida Keys and consists primarily of algae, sea fans (gorgonians) and stony corals growing on limestone rock that has a thin covering of sand. The stony corals in hardbottom communities include smooth starlet coral (Siderastrea radians), mustard hill coral (Porites astreoides), golfball coral (Favia fragum), elliptical star coral (Dichocoenia stokesii) and common brain coral (Diploria strigosa). Hardbottom provides habitat for anemones, mollusks, crabs, spiny lobsters, seastars, sea cucumbers, tunicates and various fish, including grunts (Haemulon spp.), snappers (Lutjanus spp.), groupers (Epinephelus spp.), tangs (Acanthurus coeruleus), Ocean surgeon (Acanthurus bahianus) and Great barracuda (Spyraena barracuda).
Second is the patch reef community. Patch reefs form in shallow water (three to six meters deep), some in Hawk Channel and some on the outer reef, but mainly on White Bank between Hawk Channel and the outer reefs. Patch reefs start from corals growing on a hard bottom, but grow upward as new corals establish themselves on the skeletons of dead corals. Most of the structure of patch reefs is formed from star (Montastraea annularis, Siderastrea siderea) and brain corals (Diploria spp.). Other corals attach wherever there is an opening. Patch reefs may grow up to the surface of the water, and spread outwards. Dome-type patch reefs (such as Hen and Chickens), found in Hawk Channel and on White Bank, are round or elliptical, and are generally less than three meters high, but may reach up to nine meters high. Dome-type patch reefs are surrounded by sand which is kept clear due to browsing by long-spined sea urchins and grass-eating fish. Linear-type patch reefs are found on the outer reefs, and are linear or curved. They occur in single or multiple rows, trending the same direction as the bank reefs on the outer reefs. Linear-type patch reefs often include elkhorn coral, which is rare on the dome-type patch reefs. As dead coral skeletons age and are weakened by the activities of boring sponges, worms, and mollusks and by wave action, parts of a patch reef may collapse. Patch reefs provide habitat for spiny lobsters and for many species of fish, including Bluehead wrasse (Thalassoma bifasciatum), damselfish (Chromis spp.), Ocean surgeon, French and queen angelfish (Pomacanthus spp.), white, caesar and spanish grunts (Haemulon ssp.), yellowtail and other snappers, redband and stoplight parrotfish (Sparisoma ssp.), sergeant major (Abudefduf saxatilis), tomtate (Haemulon aurolineatum), trumpetfish (Aulostomus maculatus), filefish, groupers, snappers, bar jack (Caranx ruber), great barracuda, pufferfish, squirrelfish, cardinalfish, and green morays (Gymnothorax funebris).
Third is the bank reef community. Bank reefs are larger than patch reefs and are found on the outer reefs. Bank reefs consist of three zones. The reef flat is closest to the keys, and consists of coralline algae growing on fragments of coral skeletons. Further out to sea are the spur and groove formations, low ridges of coral (the spurs) separated by channels with sand bottoms (the grooves). The shallowest parts of the spurs support fire corals and zoanthids. Starting at five or six feet deep, Elkhorn, star, and brain corals are the most important members of the community. Various types of gorgonians are also common. Beyond the spur and groove zone is the forereef, which slopes down to the deeps. The upper forereef is dominated by star coral. At greater depths plate-like corals dominate, and then as the available light fades, sponges and non-reef building corals become common. Bank reefs provide habitat for various fishes, including French angelfish, blue and queen parrotfish, Queen triggerfish (Balistes vetula), rock beauties (Holacanthus tricolor), Goatfish (Parupeneus cyclostomus), porkfish (Anisotremus virginicus) and snappers. The sand found around and in the Florida Reef is composed of shell, coral skeleton and limestone fragments.
Other common species of hard coral found on the Florida Reef include Ivory Bush Coral (Oculina diffusa), which is the dominant coral in the patch reefs along the Florida coast north of the Florida Keys, staghorn coral (Acropora cervicornis), lettuce coral (Agaricia agaricites), grooved brain coral (Diploria labyrinthiformis), boulder star coral (Monstastrea annularis), great star coral (M. cavernosa), clubbed finger coral (Porites porites) and massive starlet coral (Siderastrea siderea).
Notable individual reefs in the Florida reef system include:
Nearly 25% of all ocean life thrives on coral reefs, making these fragile habitats a necessity to ocean ecosystems. Plant and animal life on coral reefs are quickly being destroyed due to pollution, overfishing, and climate change. Animals known as polyps, which create the fundamental structure of a reef, die from ingesting tiny bits of trash floating throughout the ocean called microplastics. Overfishing is also threatening reef fish populations, which feed on the algae that will smother corals. Fluctuating ocean temperatures caused by global warming presents the largest threat to coral reefs. The sudden warming or cooling of the water stresses the corals, causing them to lose their nutrients and turn white, a process known as bleaching. With the destruction of these complex yet fragile ecosystems comes a wide range of global consequences such as extinction of marine species, endangerment to the fishing industries, and severe coastal erosion.
In common with coral reefs throughout the Caribbean and the world, the Florida Reef exhibits some signs of stress and deterioration. Precht and Miller state that the numbers of Elkhorn and Staghorn corals (Acropora ssp.) are declining to an extent that is unprecedented in several thousand years. Between 1981 and 1986, Staghorn corals declined by 96% at Molasses Reef. Between 1983 and 2000 at Looe Key, Elkhorn corals declined by 93% and Staghorn corals by 98%. A joint reef monitoring program conducted by the United States Environmental Protection Agency, Florida Marine Research Institute and National Oceanic and Atmospheric Administration recorded a loss of 6% to 10% living corals at 40 sampling stations from 1996 to 2000.
Elevated temperatures can damage coral reefs, causing coral bleaching. The first recorded bleaching incident on the Florida Reef was in 1973. Incidents of bleaching have become more frequent in recent decades, in correlation with a rise in sea surface temperatures. White band disease has also adversely affected corals on the Florida Reef. While hurricanes often can cause localized damage to Elkhorn and Staghorn corals, Precht and Miller state that the severe and widespread loss of those corals on the Florida Reef cannot be attributed to hurricane damage. Other possible causes of the losses of corals on the Florida Reef include epizootic diseases, eutrophication, predation, sedimentation, overfishing, ship groundings, anchor dragging, commercial lobster and crab traps moved by storms, pollution, development on the Keys, growing numbers of visitors to the Keys and the reefs and the growth of seaweed on the coral.
The long-spined sea urchin (Diadema antillarum), which browses on seaweed on and around reefs, was sharply reduced in numbers on the Florida Reef (and throughout the Caribbean) in the 1980s. While populations of this sea urchin have somewhat recovered elsewhere, its numbers are still very low on most of the Florida Reef, with the exception of the Dry Tortugas. As a consequence, there has been no effective check of the growth of seaweed on reef corals. However, the severe die-off of Elkhorn and Staghorn corals occurred before the die-off of the sea urchins, so that the proliferation of seaweed following the loss of the sea urchins was not the cause of the die-off of the corals, but may be retarding recovery by the corals.
Another threat to the Florida Reef is the ongoing rise in sea level. The sea level has risen almost six inches (15 cm) at Key West since 1913, and one foot (30 cm) since 1850. This rise in sea level increases the volume of water in Florida Bay significantly, and increases the exchange of water between the Bay and the water over the reefs. The lower salinity, higher turbidity and more variable temperature of the water from Florida Bay adversely affects the reefs. A continued rise in sea level would likely intensify the effect.
A perceived deterioration of the reefs became a concern in the 1950s. Early attempts to protect the reefs led to the establishment in 1960 of a protected area that became John Pennekamp Coral Reef State Park. The creation of Biscayne National Monument (which later became Biscayne National Park) in 1968 protected the northern part of the Florida Reef. In 1990 the Florida Keys National Marine Sanctuary was established, bringing all of the Florida reef into federal or state protection.
Human use of the reefs has grown tremendously in the past century. One measure of the growth is that registrations for recreational boats in Monroe County increased by 1000% from 1964 to 2006.
Recreational use of the Florida Reef and surrounding waters is popular and important to the economy of southern Florida, and in particular, of Monroe County. In 2000-2001 artificial and natural reefs in South Florida and Monroe County had 28 million person-days of recreational use by residents and tourists, including scuba diving, fishing and viewing (as, for example, by snorkeling). These activities generated $4.4 million in sales, generated almost $2 million in local income and provided more than 70,000 full- and part-time jobs. The estimated asset value of the reefs was $8.5 billion. About two-thirds of the activity was related to natural reefs.
In Monroe County for the period of June 2000 to May 2001 almost 5.5 million person-days of reef related activities resulted in $504 million in sales, which generated $140 million in income for 10,000 full- and part-time jobs. Almost two-thirds of the activity was by residents, and about half the activity involved fishing, with one-third involving snorkeling and one-sixth scuba diving. 
In Dade County for the period from June 2000 to May 2001 a little over 6 million person-days of reef related activities resulted in $1,297 million in sales, which generated $614 million in income for 19,000 full- and part-time jobs. The activity was about evenly split between residents and tourists. As in Monroe County, about half the activity involved fishing, with one-third involving snorkeling and one-sixth scuba diving.
The Florida Current (which merges with the Antilles Current near the northern end of the barrier reef to form the Gulf Stream) passes close to the Florida Reef through the Straits of Florida. Ships began wrecking along the Florida Reef almost as soon as Europeans reached the New World. From early in the 16th century Spanish ships returning from the New World to Spain sailed from Havana to catch the Gulf Stream, which meant they passed close to the Florida Reef, with some wrecking on the reefs. In 1622, six ships of the Spanish treasure fleet, including the Nuestra Señora de Atocha, wrecked during a hurricane in the lower Keys. In 1733, 19 ships of the Spanish treasure fleet wrecked during a hurricane in the middle and upper keys. In the 19th century the Straits became the major route for shipping between the eastern coast of the United States and ports in the Gulf of Mexico and the western Caribbean Sea. The combination of heavy shipping and a powerful current flowing close to dangerous reefs made the Florida Reef the site of many wrecks. By the middle of the 19th century ships were wrecking on the Florida Reef at the rate of almost once a week (the collector of customs in Key West reported a rate of 48 wrecks a year in 1848). Between 1848 and 1859 at least 618 ships were wrecked on the Florida Reef. The Assistant United States Coast Surveyor reported that in the period from 1845 through 1849 almost one million (United States) dollars worth of vessels and cargos were lost on the reef. The chief motivation for the Florida Railroad, the first railroad to connect the Atlantic and Gulf coasts of Florida, was to allow goods to be transferred between ships in the Atlantic and in the Gulf of Mexico, thus avoiding the dangerous passage along the Florida Reef. Salvaging wrecks on the reefs was the principal occupation in the Florida Keys through much of the 19th century, helping make Key West the biggest and richest city in Florida for a while.
Some of the reefs in the Florida Reef are named after ships that wrecked on them. Fowey Rocks is named after HMS Fowey, which, however, actually wrecked on Ajax Reef. Looe Key is named after HMS Looe. Alligator Reef is named after the USS Alligator. Carysfort Reef is named after HMS Carysfort, which ran aground on the reef, but did not sink.
Soon after the United States acquired Florida from Spain in 1821, it began building lighthouses along the Florida coast. The first lighthouses marking the Florida Reef were the Cape Florida Light, at the northern end of the Reef, the Dry Tortugas Light (on Bush Key), marking the western end of the Reef, and the Key West Light, all first lit in 1825. A light ship was placed at Carysfort Reef in 1825, as well. Garden Key Light, also in the Dry Tortugas, was added in 1826, and Sand Key Light (six nautical miles from Key West), was added in 1827. Large stretches of the Florida Reef remained unprotected by lighthouses, however. Keeping lights in operation along the Florida Reef proved difficult. The Carysfort Reef light ship was often blown out of position, and one time even onto a reef. The first light ship had to be replaced after just five years due to dry rot. The Cape Florida lighthouse was burned by Seminoles in 1836, and was not repaired and re-lit until 1847. The Key West and Sand Key lighthouses were destroyed by a hurricane in 1846. Starting at Carysfort Reef in 1852, skeletal tower lighthouses were built on submerged reefs to place lights as close to the outer edge of the Florida Reef as possible. With the completion of the American Shoal Light in 1880 there were finally navigation lights visible along the full length of the Florida Reef.
In order to provide better charts for ships sailing along the Florida Reef, the Florida Keys, including the reef, and the waters to the west of the Keys, including Biscayne Bay and Florida Bay, were surveyed in the 1850s. The United States Army Corps of Topographical Engineers established a base camp on Key Biscayne in 1849. The triangulation survey was conducted by the U.S. Coast Survey with men detailed from the U.S. Army and U.S. Navy. In 1855 Alexander Dallas Bache, Superintendent of the U.S. Coast Survey, assumed personal direction of the survey. In 1851 Louis Agassiz was sent by the U.S. Coast Survey to study the Florida Reef. His report on the reefs was published in 1880.