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 56 Delray Beach neighborhoods and 810 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; 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).

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

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, September 2026.