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 44 Boca Raton neighborhoods and 630 listing addresses checked against the FEMA National Flood Hazard Layer, 90% of addresses sit outside the Special Flood Hazard Area (Zone X), 10% are in A-series high-risk zones. 5 neighborhoods are majority high-risk; 34 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 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, St Andrews Country Club, Boca Bridges, Boca Woods, Banyans Of Arvida Country Club, Lotus Palm, Pheasant Walk, Boca Chase, Boca Rio North, Johns West Pud, Whisper Walk, Hidden Valley, Boca Teeca, Lotus, Saturnia, Villa Rica, Royal Palm Polo, Boca Greens, Boca Gardens, Boca Fontana, Sandalfoot Cove, Briskel Pointe, Bocaire Country Club, Boca Grove Plantation, Centra Blue Lake Townhomes, Symphony Bay, The Oaks, Boca Raton Bath Tennis Club, Royal Oak Hills, Peninsula Village Greens, Boca Raton Golf Course Pu, Woodfield Hunt Club, Villa Flora At Boca Pointe, Whisem.

Majority high-risk neighborhoods

Mizner Court (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, October 2026.