Delray Beach Flood Zones by Neighborhood

Flood zone decides two things for a buyer in Delray 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 61 Delray Beach neighborhoods and 817 listing addresses checked against the FEMA National Flood Hazard Layer, 98% of addresses sit outside the Special Flood Hazard Area (Zone X), 2% are in A-series high-risk zones. 1 neighborhood is majority high-risk; 56 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 Delray Beach (county Citizens average, ZIP by ZIP).

Delray 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

Kings Point, Rainberry Bay, Dell Park, Huntington Pointe, Valencia Palms, High Point Of Delray Beach Condo, Seven Bridges, Pine Ridge At Delray Beach, Addison Reserve, Lakes Of Delray, Southridge, Delray Lakes, Villages Of Oriole Bonaire, High Point, Mizner Country Club, Coral Trace, Kings Point Saxony, Las Verdes, Hammock Reserve, Bexley Park, Floral Lakes, High Point Of Delray West, Valencia Falls, Bridgeview, Hagen Ranch Heights, Murano At Delray Beach Condo, Avalon Trails At Villages Of Oriole Pud, The Bridges, Villa Borghese, Estates At Heritage Club Boynton Beach, High Point Of Delray Beac, Delray Trails, Kings Point Brittany, Polo Trace, Palm Greens, Huntington Lakes, Delaire Country Club, Pines Of Delray, Dakota, Lexington Club.

Majority high-risk neighborhoods

Tropic Isle (93%). 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.