Apollo Beach Flood Zones by Neighborhood
Flood zone decides two things for a buyer in Apollo Beach: whether a lender will require flood insurance, and roughly what it costs. FEMA maps every parcel into a zone — X (and B/C) is low-to-moderate risk with no mandatory coverage; A-series zones (A, AE, AH, AO) are the Special Flood Hazard Area, the 1%-a-year floodplain, where coverage is mandatory with a federally backed mortgage. This page samples the listing addresses in each neighborhood against the current FEMA layer so you can see the pattern before you fall for a house.
Across 10 Apollo Beach neighborhoods and 185 listing addresses checked against the FEMA National Flood Hazard Layer, 41% of addresses sit outside the Special Flood Hazard Area (Zone X), 59% are in A-series high-risk zones. 7 neighborhoods are majority high-risk; 3 sampled entirely outside the SFHA. In a high-risk zone, flood insurance is required with any federally backed mortgage and Florida’s Citizens policies now require it regardless of zone (all policies by 2027).
Flood is a separate policy from homeowners insurance; for the homeowners side, see the cost of home insurance in Apollo Beach (county Citizens average, ZIP by ZIP).
Apollo Beach neighborhoods ranked by flood exposure
Share of sampled addresses by FEMA zone group. Sorted by high-risk share; n is the number of distinct addresses checked (minimum 8).
| Neighborhood | Outside SFHA (X) | A-series (high risk) | V-series (coastal) | Addresses |
|---|---|---|---|---|
| apollo beach | 0% | 100% | — | 30 |
| Caribbean Isles Residential Co | 0% | 100% | — | 21 |
| Indigo Creek | 0% | 100% | — | 16 |
| Mirabay | 0% | 100% | — | 16 |
| Sabal Key | 0% | 100% | — | 11 |
| Marisol Pointe | 0% | 100% | — | 8 |
| Hemingway Estates | 12% | 88% | — | 8 |
| Waterset | 100% | 0% | — | 41 |
| Waterset Wolf Creek | 100% | 0% | — | 23 |
| Covington Park | 100% | 0% | — | 11 |
Sampled entirely outside the flood hazard area
Waterset, Waterset Wolf Creek, Covington Park.
Majority high-risk neighborhoods
apollo beach (100%), Caribbean Isles Residential Co (100%), Indigo Creek (100%), Mirabay (100%), Sabal Key (100%), Marisol Pointe (100%), Hemingway Estates (88%). Expect a flood-insurance quote before you make an offer; elevation certificates matter here.
How to read this
These are shares of listing addresses we have checked, not parcel counts, and FEMA revises maps; a neighborhood at 0% can still contain a low lot. Always verify the specific address at msc.fema.gov. Source: FEMA National Flood Hazard Layer, address-level lookups compiled by Momentum Research, October 2026.