Clearwater Flood Zones by Neighborhood
Flood zone decides two things for a buyer in Clearwater: 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 24 Clearwater neighborhoods and 258 listing addresses checked against the FEMA National Flood Hazard Layer, 86% of addresses sit outside the Special Flood Hazard Area (Zone X), 14% are in A-series high-risk zones. 3 neighborhoods are majority high-risk; 16 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).
Clearwater 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).
| Neighborhood | Outside SFHA (X) | A-series (high risk) | V-series (coastal) | Addresses |
|---|---|---|---|---|
| Elde Oro West | 0% | 100% | — | 10 |
| Grand Venezia At Baywatch Condo | 0% | 100% | — | 8 |
| Highpoint Estates | 22% | 78% | — | 9 |
| Sunset Highlands | 67% | 33% | — | 15 |
| skycrest | 78% | 22% | — | 9 |
| Spring Lake Of Clearwater | 82% | 18% | — | 11 |
| Highland Terrace Manor | 82% | 18% | — | 11 |
| hidden springs | 93% | 7% | — | 14 |
| sky crest | 100% | 0% | — | 16 |
| Douglas Manor Estates | 100% | 0% | — | 15 |
| Imperial Park | 100% | 0% | — | 15 |
| Clubhouse Estates Of Countryside | 100% | 0% | — | 14 |
| Chesterfield Heights | 100% | 0% | — | 12 |
| Tropic Hills | 100% | 0% | — | 10 |
| Curlew City | 100% | 0% | — | 10 |
| country club | 100% | 0% | — | 10 |
| Blackshire Estates | 100% | 0% | — | 9 |
| Brigadoon Of Clearwater | 100% | 0% | — | 9 |
| Highland Pines | 100% | 0% | — | 9 |
| Virginia Groves Estates | 100% | 0% | — | 9 |
| Lake Citrus Estates | 100% | 0% | — | 9 |
| Whitney Lakes | 100% | 0% | — | 8 |
| Summerset Villas | 100% | 0% | — | 8 |
| Morningside Estates | 100% | 0% | — | 8 |
Sampled entirely outside the flood hazard area
sky crest, Douglas Manor Estates, Imperial Park, Clubhouse Estates Of Countryside, Chesterfield Heights, Tropic Hills, Curlew City, country club, Blackshire Estates, Brigadoon Of Clearwater, Highland Pines, Virginia Groves Estates, Lake Citrus Estates, Whitney Lakes, Summerset Villas, Morningside Estates.
Majority high-risk neighborhoods
Elde Oro West (100%), Grand Venezia At Baywatch Condo (100%), Highpoint Estates (78%). 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.