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 756 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; 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).

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

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.