Boca Raton Flood Zones by Neighborhood
Flood zone decides two things for a buyer in Boca Raton: 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 48 Boca Raton neighborhoods and 670 listing addresses checked against the FEMA National Flood Hazard Layer, 88% of addresses sit outside the Special Flood Hazard Area (Zone X), 12% are in A-series high-risk zones. 6 neighborhoods are majority high-risk; 35 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 Boca Raton, FL
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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 Boca Raton (county Citizens average, ZIP by ZIP).
Boca Raton 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
Century Village, Boca Bridges, Boca Woods, St Andrews Country Club, Pheasant Walk, Boca Chase, Banyans Of Arvida Country Club, Lotus, Boca Rio North, Johns West Pud, Whisper Walk, Sandalfoot Cove, Lotus Palm, Saturnia, Boca Teeca, Royal Palm Polo, Hidden Valley, Villa Rica, Boca Gardens, Briskel Pointe, Bocaire Country Club, Boca Greens, Boca Grove Plantation, Centra Blue Lake Townhomes, Peninsula Village Greens, Boca Fontana, The Oaks, Royal Oak Hills, West Lakes Of Boca Raton Inc, Symphony Bay, Boca Raton Bath Tennis Club, Woodfield Hunt Club, Trieste At Boca, Boca Raton Golf Course Pu, Villa Flora At Boca Pointe.
Majority high-risk neighborhoods
Mizner Court (100%), Caribbean Keys (100%), Pines Of Boca Barwood (100%), Boca Bayou (89%), Bel Marra (71%), Boca Harbour (62%). 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, November 2026.