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 43 Apopka neighborhoods and 568 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).

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, Emerson Park A B C D E K L M N, Crossroads At Kelly Park, Willow Run, Oaks At Kelly Park, Rock Springs Ridge, Oakview, Hilltop Reserve, Wolf Lake Ranch, Thompson Village, Sweetwater Country Club, Meadowlark Landing, Rock Springs Ridge, Errol Estate, Parkview Preserve, Windrose, Winding Meadows, Bronsons Ridge, Gardenia Reserve, Bronsons Ridge 60S, Acuera Estates, Oaks Wekiwa, Chandler Estates, Winding Meadows, Paradise Heights, Oak Pointe, Lake Mendelin Estates, Woodfield Oaks, Sweetwater West, Ambergate, Bridle Path, Orchid Estates, Royal Oak Estates, Parkside At Errol Estates, Wekiva Park Townhomes, Sheeler Hills, Piedmont Park, 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, October 2026.