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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 106 Kissimmee neighborhoods and 1,839 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. 8 neighborhoods are majority high-risk; 67 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).

NeighborhoodOutside SFHA (X)A-series (high risk)V-series (coastal)Addresses
Cypress Hammock0%100%—20
Cove At Storey Lake0%100%—13
Knightsbridge 50S11%89%—18
Dahlia Reserve At Crescent Lakes38%62%—13
Aden North At Westview44%56%—9
Poinciana Village 05 Neighborhood44%56%—9
Poinciana Village 1 Nbhd 1 South Poinciana50%50%—32
Tohoqua Reserve50%50%—8
North Point53%47%—15
Poinciana Village 5 Nbhd 1 Poinciana55%45%—44
Westview60%40%—30
Sunset Lakes64%36%—14
Terra Verde67%33%—24
Villas At Somerset70%30%—10
Buenaventura Lakes70%30%—10
mill run71%29%—17
Encantada73%27%—33
Creekside At Boggy Creek73%27%—11
Paradise Palms Residence75%25%—12
Blossom Park Villas A Condo75%25%—8
Bellalago76%24%—54
Pleasant Hill Lakes77%23%—13
Remington Pointe80%20%—10
Magic Village81%19%—21
Esplanade At Westview82%18%—17
Poinciana Village 1 Nbhd 1 North85%15%—26
Kindred88%12%—33
Indian Wells88%12%—16
Legacy Dunes88%12%—8
Emerald Pointe88%12%—8
Liberty Village88%12%—8
Poinciana Village 1 Nbhd 3 East89%11%—9
CRYSTAL Cove RESORT89%11%—9
Paradise Palms Resort90%10%—30
Concorde Estates90%10%—20
Tohoqua92%8%—50
Lindfields96%4%—23
Poinciana Village 2 Nbhd97%3%—38
Emerald Island Resort97%3%—33
Windsor At Westside100%0%—68
Solara Resort100%0%—45
Tapestry100%0%—43
Veranda Palms100%0%—36
windsor hills100%0%—35
Poinciana Village 2 Nbhd 3 Poinciana100%0%—32
Solara Resort Vacation Villas100%0%—31
Storey Creek100%0%—29
Fiesta Key100%0%—29
Regal Oaks At Old Town100%0%—24
Reunion West100%0%—23
Wyndham Palms100%0%—22
Compass Bay100%0%—19
cypress reserve villas100%0%—19
Evergreen Park100%0%—18
Indian Creek100%0%—17
Blackstone Landing100%0%—16
Cove Storey Lake100%0%—16
Murano At Westside100%0%—16
Broadmoor100%0%—16
Club Cortile100%0%—15
Magic Village Resort100%0%—15
Eagle Pointe100%0%—14
Isles Of Bellalago100%0%—14
Crestwynd Bay100%0%—14
Solara Residence100%0%—14
Hub At Westside Reserve100%0%—14
Soleil At Westside100%0%—14
Brighton Lakes100%0%—13
Spectrum At Reunion100%0%—13
Townhomes Of Flora Ridge100%0%—13
Westview 27 Villas100%0%—12
Reunion West100%0%—12
Reunion West100%0%—12
Windsor Palms Townhomes100%0%—12
Summerville Resort100%0%—12
Kissimmee Bay100%0%—12
Oakwater100%0%—12
Hammock Trails100%0%—11
Emerald Lake100%0%—11
Encore At Reunion Reunion West100%0%—11
Doral Pointe100%0%—11
Estancia100%0%—11
reedy reserve100%0%—11
Storey Lake100%0%—10
Amber Pointe100%0%—10
Runaway Beach Club100%0%—10
Bvl Lakepointe Townhomes100%0%—10
Margaritaville Rolling Oaks100%0%—10
Villas Del Sol At Kissimmee Condo100%0%—10
Heather Oaks100%0%—10
poinciana estates100%0%—10
Villas At Seven Dwarfs Lane100%0%—9
Ashley Cove100%0%—9
Cypress Cay100%0%—9
Chatham Park At Sausalito100%0%—9
Coral Cay Resort100%0%—9
Campbell Cove100%0%—9
Lake Berkley Resort100%0%—8
Villas At Island Club100%0%—8
Oak Island Cove100%0%—8
Eric Estates100%0%—8
Windsor Point100%0%—8
Magic Landings100%0%—8
Marbrisa Villas100%0%—8
Brighton Landings100%0%—8
Bridgewater100%0%—8

Sampled entirely outside the flood hazard area

Windsor At Westside, Solara Resort, Tapestry, Veranda Palms, windsor hills, Poinciana Village 2 Nbhd 3 Poinciana, Solara Resort Vacation Villas, Storey Creek, Fiesta Key, Regal Oaks At Old Town, Reunion West, Wyndham Palms, Compass Bay, cypress reserve villas, Evergreen Park, Indian Creek, Blackstone Landing, Cove Storey Lake, Murano At Westside, Broadmoor, Club Cortile, Magic Village Resort, Eagle Pointe, Isles Of Bellalago, Crestwynd Bay, Solara Residence, Hub At Westside Reserve, Soleil At Westside, Brighton Lakes, Spectrum At Reunion, Townhomes Of Flora Ridge, Westview 27 Villas, Reunion West, Reunion West, Windsor Palms Townhomes, Summerville Resort, Kissimmee Bay, Oakwater, Hammock Trails, Emerald Lake.

Majority high-risk neighborhoods

Cypress Hammock (100%), Cove At Storey Lake (100%), Knightsbridge 50S (89%), Dahlia Reserve At Crescent Lakes (62%), Aden North At Westview (56%), Poinciana Village 05 Neighborhood (56%), Poinciana Village 1 Nbhd 1 South Poinciana (50%), Tohoqua Reserve (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.

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