Boynton Beach Flood Zones by Neighborhood
Flood zone decides two things for a buyer in Boynton Beach: 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 59 Boynton Beach neighborhoods and 836 listing addresses checked against the FEMA National Flood Hazard Layer, 94% of addresses sit outside the Special Flood Hazard Area (Zone X), 6% are in A-series high-risk zones. 4 neighborhoods are majority high-risk; 51 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 Boynton Beach, 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 Boynton Beach (county Citizens average, ZIP by ZIP).
Boynton Beach 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
Palm Beach Leisureville, Quail Ridge, Palm Meadows Estates, Valencia Grand, Valencia Reserve, Tuscany Bay, Cascades, Avalon Estates, Coral Lakes, Jamaica Bay Mobile Home Co Op, aberdeen country club, Venetian Isles, Palm Isles, VALENCIA Cove, Palm Isles, Wellesley At Boynton Beach, Majestic Isles, Canyon Isles, Mizner Falls, Ponte Vecchio, Tivoli Reserve, Canyon Springs, Valencia Sound, Valencia Pointe, Valencia Lakes, Greentree Villas, Pine Tree Golf Club, Cascade Lakes, Platina / Alexandra Village, Valencia Bay, Delray Dunes, Canyon Trails, Sausalito Place, Palm Chase, Cypress Creek, Cranbrook Lake Estates, Lakeridge Falls, Banyan Springs, Cobblestone Creek, Renaissance Commons Pud.
Majority high-risk neighborhoods
Sterling Village (100%), Hampshire Gardens (100%), Briny Breezes Inc (92%), Waterside Village Pud (73%). 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.