Land O Lakes Flood Zones by Neighborhood
Flood zone decides two things for a buyer in Land O Lakes: 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 16 Land O Lakes neighborhoods and 300 listing addresses checked against the FEMA National Flood Hazard Layer, 96% of addresses sit outside the Special Flood Hazard Area (Zone X), 4% are in A-series high-risk zones. 1 neighborhood is majority high-risk; 10 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 Land O Lakes (county Citizens average, ZIP by ZIP).
Land O Lakes 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 |
|---|---|---|---|---|
| Bexley | 50% | 50% | — | 16 |
| Townes Lake Thomas | 89% | 11% | — | 9 |
| sable ridge | 92% | 8% | — | 13 |
| Asbel Creek | 94% | 6% | — | 16 |
| Connerton | 96% | 4% | — | 27 |
| Angeline | 97% | 3% | — | 38 |
| Deerbrook | 100% | 0% | — | 27 |
| Lakeshore Ranch | 100% | 0% | — | 22 |
| Lake Padgett Estates | 100% | 0% | — | 21 |
| Salem Townhomes | 100% | 0% | — | 20 |
| Ballantrae | 100% | 0% | — | 19 |
| Plantation Palms | 100% | 0% | — | 19 |
| asbel creek | 100% | 0% | — | 16 |
| Oakstead | 100% | 0% | — | 15 |
| Suncoast Meadows Increment | 100% | 0% | — | 12 |
| Devonwood Residential | 100% | 0% | — | 10 |
Sampled entirely outside the flood hazard area
Deerbrook, Lakeshore Ranch, Lake Padgett Estates, Salem Townhomes, Ballantrae, Plantation Palms, asbel creek, Oakstead, Suncoast Meadows Increment, Devonwood Residential.
Majority high-risk neighborhoods
Bexley (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.