Gainesville Flood Zones by Neighborhood
Flood zone decides two things for a buyer in Gainesville: 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 41 Gainesville neighborhoods and 535 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. 0 neighborhoods are majority high-risk; 37 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).
Gainesville 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 |
|---|---|---|---|---|
| Huntington | 64% | 36% | — | 11 |
| Woodland Terrace | 75% | 25% | — | 8 |
| Golf Club Manor | 78% | 22% | — | 9 |
| Highland Court Manor | 81% | 19% | — | 16 |
| Oakmont | 100% | 0% | — | 41 |
| Haile Plantation | 100% | 0% | — | 26 |
| Northwood Pines | 100% | 0% | — | 20 |
| Rockwood Villas | 100% | 0% | — | 19 |
| Turkey Creek Forest | 100% | 0% | — | 18 |
| Capri Cluster | 100% | 0% | — | 16 |
| Grand Oaks At Tower | 100% | 0% | — | 16 |
| Black Acres | 100% | 0% | — | 15 |
| Northwood Oaks | 100% | 0% | — | 15 |
| Forest Ridge | 100% | 0% | — | 15 |
| Mentone | 100% | 0% | — | 15 |
| Oaks Preserve | 100% | 0% | — | 14 |
| Cobblefield | 100% | 0% | — | 14 |
| Hammock Ridge Estates | 100% | 0% | — | 14 |
| Pebble Creek Villas | 100% | 0% | — | 12 |
| Willow Oak Plantation | 100% | 0% | — | 12 |
| Suburban Heights | 100% | 0% | — | 12 |
| Valwood | 100% | 0% | — | 12 |
| Grand Oaks | 100% | 0% | — | 12 |
| Valley (The) | 100% | 0% | — | 12 |
| Sorrento | 100% | 0% | — | 12 |
| Hills Of Santa Fe | 100% | 0% | — | 11 |
| Rock Creek | 100% | 0% | — | 11 |
| Millhopper Forest | 100% | 0% | — | 11 |
| Summer Creek | 100% | 0% | — | 10 |
| Wilds Plantation | 100% | 0% | — | 10 |
| Carol Estates North | 100% | 0% | — | 10 |
| South Pointe | 100% | 0% | — | 10 |
| Finley Woods | 100% | 0% | — | 9 |
| Estates of Wilds Plantation | 100% | 0% | — | 9 |
| Lugano | 100% | 0% | — | 9 |
| Green Leaf | 100% | 0% | — | 9 |
| Oakhaven Walk | 100% | 0% | — | 8 |
| Cedar Ridge | 100% | 0% | — | 8 |
| Mill Pond | 100% | 0% | — | 8 |
| Lincoln Estates | 100% | 0% | — | 8 |
| Forest Park | 100% | 0% | — | 8 |
Sampled entirely outside the flood hazard area
Oakmont, Haile Plantation, Northwood Pines, Rockwood Villas, Turkey Creek Forest, Capri Cluster, Grand Oaks At Tower, Black Acres, Northwood Oaks, Forest Ridge, Mentone, Oaks Preserve, Cobblefield, Hammock Ridge Estates, Pebble Creek Villas, Willow Oak Plantation, Suburban Heights, Valwood, Grand Oaks, Valley (The), Sorrento, Hills Of Santa Fe, Rock Creek, Millhopper Forest, Summer Creek, Wilds Plantation, Carol Estates North, South Pointe, Finley Woods, Estates of Wilds Plantation, Lugano, Green Leaf, Oakhaven Walk, Cedar Ridge, Mill Pond, Lincoln Estates, Forest Park.
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.