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 46 Boca Raton neighborhoods and 668 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; 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).

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

St Andrews Country Club, Lotus Palm, Banyans Of Arvida Country Club, Lotus, Boca Woods, Hidden Valley, Boca Bridges, Boca Rio North, Pheasant Walk, Whisper Walk, Boca Chase, Boca Teeca, Villa Rica, Boca Gardens, Saturnia, Boca Greens, Johns West Pud, Boca Fontana, Sandalfoot Cove, Briskel Pointe, Bocaire Country Club, Boca Grove Plantation, Centra Blue Lake Townhomes, Royal Palm Polo, Boca Raton Bath Tennis Club, The Oaks, Symphony Bay, Peninsula Village Greens, Boca Raton Golf Course Pu, Villa Flora At Boca Pointe, Estancia At Boynton Beach Boynton Beach, Whisem, Royal Oak Hills, Woodfield Hunt Club, Bridgewood Townhouse.

Majority high-risk neighborhoods

Mizner Court (100%), Blue Inlet Lake Rodgers (100%), Boca Bayou (86%), Bel Marra (71%), Boca Harbour (67%). 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, September 2026.