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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 112 Kissimmee neighborhoods and 2,013 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; 72 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).

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%—23
Cove At Storey Lake0%100%—14
Knightsbridge 50S10%90%—20
Dahlia Reserve At Crescent Lakes38%62%—13
Poinciana Village 05 Neighborhood44%56%—9
Poinciana Village 5 Nbhd 1 Poinciana48%52%—54
Aden North At Westview50%50%—10
Tohoqua Reserve50%50%—10
Poinciana Village 1 Nbhd 1 South Poinciana53%47%—32
North Point56%44%—16
Terra Verde65%35%—26
Westview67%33%—36
Sunset Lakes67%33%—15
Creekside At Boggy Creek67%33%—12
mill run68%32%—19
Villas At Somerset70%30%—10
Buenaventura Lakes70%30%—10
Encantada74%26%—34
Blossom Park Villas A Condo75%25%—8
Bellalago77%23%—60
Paradise Palms Residence77%23%—13
Pleasant Hill Lakes77%23%—13
Esplanade At Westview82%18%—17
Remington Pointe82%18%—11
Magic Village83%17%—24
Poinciana Village 1 Nbhd 1 North85%15%—26
Paradise Palms Resort88%12%—33
Banyan Cove At Cypress Woods88%12%—8
Emerald Pointe88%12%—8
Liberty Village88%12%—8
Indian Wells89%11%—18
Legacy Dunes89%11%—9
Kindred90%10%—41
Concorde Estates90%10%—21
Poinciana Village 1 Nbhd 3 East90%10%—10
CRYSTAL Cove RESORT90%10%—10
Tohoqua92%8%—53
Lindfields96%4%—25
Emerald Island Resort97%3%—32
Poinciana Village 2 Nbhd98%2%—40
Windsor At Westside100%0%—74
Tapestry100%0%—47
Solara Resort100%0%—46
Veranda Palms100%0%—42
windsor hills100%0%—38
Poinciana Village 2 Nbhd 3 Poinciana100%0%—33
Solara Resort Vacation Villas100%0%—31
Regal Oaks At Old Town100%0%—31
Fiesta Key100%0%—31
Storey Creek100%0%—29
Reunion West100%0%—23
cypress reserve villas100%0%—23
Wyndham Palms100%0%—22
Compass Bay100%0%—21
Evergreen Park100%0%—19
Indian Creek100%0%—18
Blackstone Landing100%0%—17
Cove Storey Lake100%0%—17
Broadmoor100%0%—17
Club Cortile100%0%—16
Isles Of Bellalago100%0%—15
Magic Village Resort100%0%—15
Murano At Westside100%0%—15
Soleil At Westside100%0%—15
Eagle Pointe100%0%—14
Crestwynd Bay100%0%—14
Townhomes Of Flora Ridge100%0%—14
Kissimmee Bay100%0%—14
Hub At Westside Reserve100%0%—14
Westview 27 Villas100%0%—13
Spectrum At Reunion100%0%—13
Reunion West100%0%—13
Reunion West100%0%—13
Solara Residence100%0%—13
Windsor Palms Townhomes100%0%—13
Summerville Resort100%0%—13
Brighton Lakes100%0%—12
reedy reserve100%0%—12
Oakwater100%0%—12
Hammock Trails100%0%—11
Emerald Lake100%0%—11
Amber Pointe100%0%—11
Encore At Reunion Reunion West100%0%—11
Doral Pointe100%0%—11
Estancia100%0%—11
Margaritaville Rolling Oaks100%0%—11
Tohoqua100%0%—10
Storey Lake100%0%—10
Villas At Seven Dwarfs Lane100%0%—10
Cypress Cay100%0%—10
Runaway Beach Club100%0%—10
Bvl Lakepointe Townhomes100%0%—10
Coral Cay Resort100%0%—10
Villas Del Sol At Kissimmee Condo100%0%—10
Heather Oaks100%0%—10
poinciana estates100%0%—10
Ashley Cove100%0%—9
Chatham Park At Sausalito100%0%—9
Campbell Cove100%0%—9
Marbrisa Villas100%0%—9
Brighton Landings100%0%—9
Villas At Estancia100%0%—8
Kings Point100%0%—8
Villas At Island Club100%0%—8
Avilla100%0%—8
Seasons100%0%—8
Oak Island Cove100%0%—8
Remington100%0%—8
Eric Estates100%0%—8
Windsor Point100%0%—8
Magic Landings100%0%—8
Bridgewater100%0%—8

Sampled entirely outside the flood hazard area

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

Majority high-risk neighborhoods

Cypress Hammock (100%), Cove At Storey Lake (100%), Knightsbridge 50S (90%), Dahlia Reserve At Crescent Lakes (62%), Poinciana Village 05 Neighborhood (56%), Poinciana Village 5 Nbhd 1 Poinciana (52%), Aden North At Westview (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, September 2026.

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