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 49 Apopka neighborhoods and 644 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; 43 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).
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, Emerson Park A B C D E K L M N, Oaks At Kelly Park, Rock Springs Ridge, Errol Estate, Hilltop Reserve, Wolf Lake Ranch, Sweetwater Country Club, Meadowlark Landing, Thompson Village, Winding Meadows, Oakview, Rock Springs Ridge, Parkview Preserve, Windrose, Chandler Estates, wekiva run, Willow Run, Bronsons Ridge, Ambergate, Bronsons Ridge 60S, Acuera Estates, Winding Meadows, Paradise Heights, Gardenia Reserve, Oak Pointe, Lake Mendelin Estates, Oaks Wekiwa, Bronsons Ridge, Wekiva Park Townhomes, Orchid Estates, Woodfield Oaks, Royal Oak Estates, Lexington Club, Emerson North Townhomes, Sweetwater West, Parkside At Errol Estates, Bridle Path, Rock Springs Homesites.
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, September 2026.