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 244 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).
Flood is a separate policy from homeowners insurance; for the homeowners side, see the cost of home insurance in Clearwater (county Citizens average, ZIP by ZIP).
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% | — | 9 |
| Grand Venezia At Baywatch Condo | 0% | 100% | — | 8 |
| Highpoint Estates | 22% | 78% | — | 9 |
| Sunset Highlands | 64% | 36% | — | 14 |
| skycrest | 78% | 22% | — | 9 |
| Spring Lake Of Clearwater | 82% | 18% | — | 11 |
| Highland Terrace Manor | 90% | 10% | — | 10 |
| hidden springs | 91% | 9% | — | 11 |
| sky crest | 100% | 0% | — | 15 |
| Imperial Park | 100% | 0% | — | 15 |
| Douglas Manor Estates | 100% | 0% | — | 14 |
| Clubhouse Estates Of Countryside | 100% | 0% | — | 14 |
| Chesterfield Heights | 100% | 0% | — | 12 |
| country club | 100% | 0% | — | 10 |
| Tropic Hills | 100% | 0% | — | 9 |
| Brigadoon Of Clearwater | 100% | 0% | — | 9 |
| Curlew City | 100% | 0% | — | 9 |
| Blackshire Estates | 100% | 0% | — | 8 |
| Whitney Lakes | 100% | 0% | — | 8 |
| Highland Pines | 100% | 0% | — | 8 |
| Virginia Groves Estates | 100% | 0% | — | 8 |
| Summerset Villas | 100% | 0% | — | 8 |
| Morningside Estates | 100% | 0% | — | 8 |
| Lake Citrus Estates | 100% | 0% | — | 8 |
Sampled entirely outside the flood hazard area
sky crest, Imperial Park, Douglas Manor Estates, Clubhouse Estates Of Countryside, Chesterfield Heights, country club, Tropic Hills, Brigadoon Of Clearwater, Curlew City, Blackshire Estates, Whitney Lakes, Highland Pines, Virginia Groves Estates, Summerset Villas, Morningside Estates, Lake Citrus 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, October 2026.