Clermont Flood Zones by Neighborhood

Flood zone decides two things for a buyer in Clermont: 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 40 Clermont neighborhoods and 507 listing addresses checked against the FEMA National Flood Hazard Layer, 97% of addresses sit outside the Special Flood Hazard Area (Zone X), 3% are in A-series high-risk zones. 1 neighborhood is majority high-risk; 31 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 Clermont (county Citizens average, ZIP by ZIP).

Clermont 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

Kings Ridge, Sawgrass Bay, Highland Ranch Esplanade, Weston Hills, Hartwood Landing, Wellness Way 32S, Cagan Crossings West, Palms Serenoa, Summit Greens, Glenbrook, Greater Pines, Wellness Way, Sanctuary At Wellness Villas, High Grove, Highland Ranch The Canyons, Wellness Ridge, Crestview, Sunrise Lakes, Serenoa Village, Sanctuary At Wellness Ridge 50S, Lake Nellie Crossing, manchester at kings ridge, Clermont Indian Hills, Vintner Reserve, Barrington Estates, Verde Ridge, Overlook At Lake Louisa, Vista Grande, Johns Lake Estates, Village Green, Serenoa Village.

Majority high-risk neighborhoods

Hidden Forest At Silver Creek (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.