Kissimmee Flood Zones by Neighborhood

Flood zone decides two things for a buyer in Kissimmee: 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 110 Kissimmee neighborhoods and 1,913 listing addresses checked against the FEMA National Flood Hazard Layer, 88% of addresses sit outside the Special Flood Hazard Area (Zone X), 12% are in A-series high-risk zones. 9 neighborhoods are majority high-risk; 70 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 Kissimmee (county Citizens average, ZIP by ZIP).

Kissimmee 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

Windsor At Westside, Solara Resort, Tapestry, Veranda Palms, windsor hills, Solara Resort Vacation Villas, Poinciana Village 2 Nbhd 3 Poinciana, Storey Creek, Fiesta Key, Reunion West, Wyndham Palms, Compass Bay, Regal Oaks At Old Town, Indian Creek, Eagle Pointe, Evergreen Park, cypress reserve villas, Blackstone Landing, Cove Storey Lake, Murano At Westside, Broadmoor, Brighton Lakes, Club Cortile, Isles Of Bellalago, Soleil At Westside, Spectrum At Reunion, Crestwynd Bay, Magic Village Resort, Solara Residence, Hub At Westside Reserve, Storey Lake, Townhomes Of Flora Ridge, Kissimmee Bay, Reunion West, Reunion West, Windsor Palms Townhomes, Summerville Resort, Oakwater, Hammock Trails, Encore At Reunion Reunion West.

Majority high-risk neighborhoods

Cypress Hammock (100%), Cove At Storey Lake (100%), Knightsbridge 50S (93%), Aden North At Westview (62%), Dahlia Reserve At Crescent Lakes (57%), Poinciana Village 05 Neighborhood (56%), Poinciana Village 1 Nbhd 1 South Poinciana (50%), Tohoqua Reserve (50%), Formosa Gardens (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, October 2026.