Which Fort Lauderdale neighborhoods are in a flood zone?

Of the 43 neighborhoods sampled, 23 are majority high-risk (A or V zones): Bay Colony Club, Tarpon River, River Oaks, Village At Sailboat Bend, Nurmi Isles Island, Coral Shores, Marina Landings, Lauderdale Park. The table above lists every sampled neighborhood with its share.

Do I need flood insurance in Fort Lauderdale?

Yes if the home is in an A- or V-series zone and you have a federally backed mortgage; Florida Citizens policyholders need it regardless of zone by 2027. In Zone X it is optional but often inexpensive.

How accurate is this?

It is address-sampled from 672 listing coordinates against the current FEMA layer, with a minimum of 8 addresses per neighborhood. Verify the exact parcel on the FEMA Flood Map Service Center before relying on it.

Fort Lauderdale Flood Zones by Neighborhood

Flood zone decides two things for a buyer in Fort Lauderdale: 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 43 Fort Lauderdale neighborhoods and 672 listing addresses checked against the FEMA National Flood Hazard Layer, 49% of addresses sit outside the Special Flood Hazard Area (Zone X), 51% are in A-series high-risk zones. 23 neighborhoods are majority high-risk; 8 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).

Fort Lauderdale 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
Bay Colony Club	0%	100%	—	19
Tarpon River	0%	100%	—	13
River Oaks	0%	100%	—	12
Village At Sailboat Bend	0%	100%	—	11
Nurmi Isles Island	0%	100%	—	10
Coral Shores	0%	100%	—	10
Marina Landings	0%	100%	—	10
Lauderdale Park	0%	100%	—	9
Shady Banks	11%	89%	—	9
South New River Isles	11%	89%	—	9
Ravenswood Estates & Marinas	11%	89%	—	9
Wilton Manors	12%	88%	—	8
Poinsettia Heights	14%	86%	—	14
Coral Ridge Galt	21%	79%	—	24
Rio Vista	26%	74%	—	31
Coral Ridge Isles	28%	72%	—	25
Imperial Point Colonnades	29%	71%	—	17
Harbor Beach	32%	68%	—	19
Washington Park	33%	67%	—	9
Coral Ridge Isles	42%	58%	—	12
Coral Ridge	45%	55%	—	22
Coral Ridge Country Club	46%	54%	—	35
Broward Park	50%	50%	—	8
Progresso	54%	46%	—	46
River Reach	55%	45%	—	11
Riverland Village	56%	44%	—	16
Colee Hammock	58%	42%	—	12
Lauderdale Isles	62%	38%	—	21
Melrose Park	62%	38%	—	13
Royal Palms Park	62%	38%	—	8
North Andrews Gardens	71%	29%	—	14
Lake Ridge	73%	27%	—	11
Victoria Park	77%	23%	—	30
Croissant Park	78%	22%	—	9
North Andrews Gardens	85%	15%	—	13
Sunrise Golf Village	100%	0%	—	58
Coral Ridge	100%	0%	—	11
Lauderdale Manors	100%	0%	—	10
Inverwood Condo	100%	0%	—	10
Imperial Point	100%	0%	—	9
Las Olas By The Sea Ext	100%	0%	—	9
North Andrews Terrace	100%	0%	—	8
Lauderdale Beach	100%	0%	—	8

Sampled entirely outside the flood hazard area

Sunrise Golf Village, Coral Ridge, Lauderdale Manors, Inverwood Condo, Imperial Point, Las Olas By The Sea Ext, North Andrews Terrace, Lauderdale Beach.

Majority high-risk neighborhoods

Bay Colony Club (100%), Tarpon River (100%), River Oaks (100%), Village At Sailboat Bend (100%), Nurmi Isles Island (100%), Coral Shores (100%), Marina Landings (100%), Lauderdale Park (100%), Shady Banks (89%), South New River Isles (89%), Ravenswood Estates & Marinas (89%), Wilton Manors (88%), Poinsettia Heights (86%), Coral Ridge Galt (79%), Rio Vista (74%), Coral Ridge Isles (72%), Imperial Point Colonnades (71%), Harbor Beach (68%), Washington Park (67%), Coral Ridge Isles (58%), Coral Ridge (55%), Coral Ridge Country Club (54%), Broward Park (50%). 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.

Fort Lauderdale Flood Zones by Neighborhood

Fort Lauderdale neighborhoods ranked by flood exposure

Sampled entirely outside the flood hazard area

Majority high-risk neighborhoods

How to read this

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