Apopka Flood Zones by Neighborhood
Flood zone decides two things for a buyer in Apopka: 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 44 Apopka neighborhoods and 566 listing addresses checked against the FEMA National Flood Hazard Layer, 99% of addresses sit outside the Special Flood Hazard Area (Zone X), 1% are in A-series high-risk zones. 0 neighborhoods are majority high-risk; 39 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).
Buying? Search homes for sale in Apopka, FL
Selling? What’s my home worth?
Check the exact address on the FEMA Flood Map Service Center before you make an offer.
Flood is a separate policy from homeowners insurance; for the homeowners side, see the cost of home insurance in Apopka (county Citizens average, ZIP by ZIP).
Apopka 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).
Sampled entirely outside the flood hazard area
Eden Crest, Crossroads At Kelly Park, Oaks At Kelly Park, Emerson Park A B C D E K L M N, Willow Run, Wolf Lake Ranch, Rock Springs Ridge, Oakview, Thompson Village, Sweetwater Country Club, Rock Springs Ridge, Hilltop Reserve, Winding Meadows, Errol Estate, Windrose, Meadowlark Landing, Parkview Preserve, Acuera Estates, Bronsons Ridge, Gardenia Reserve, Bronsons Ridge 60S, Chandler Estates, Winding Meadows, Oak Pointe, Sweetwater West, Oaks Wekiwa, Woodfield Oaks, Lake Mendelin Estates, Ambergate, Bridle Path, Orchid Estates, Paradise Heights, Royal Oak Estates, Parkside At Errol Estates, Wekiva Park Townhomes, Rock Springs Homesites, Sheeler Hills, Lexington Club, Emerson North Townhomes.
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, November 2026.