Leesburg Flood Zones by Neighborhood

Flood zone decides two things for a buyer in Leesburg: 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 37 Leesburg neighborhoods and 566 listing addresses checked against the FEMA National Flood Hazard Layer, 92% of addresses sit outside the Special Flood Hazard Area (Zone X), 8% are in A-series high-risk zones. 1 neighborhood is majority high-risk; 21 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 Leesburg (county Citizens average, ZIP by ZIP).

Leesburg 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

Royal Highlands, Lake Denham Estates, Silver Lake Pointe, Leesburg Royal Oak Estates, Scottish Highlands, Liberty Preserve, Lake Griffin Reserve, Plantation At Leesburg River Crest, Plantation At Leesburg Golfview, Plantation At Leesburg Ashland Village, Plantation At Leesburg Nottoway Village, Western Shores, Royal Highlands, Windsong At Leesburg, Cedar Landings Townhomes, Scottish Highlands, Oakstone Farms, Plantation At Leesburg Glendale Village, Bentley Villas, Stonegate At Silver Lake, Meadow Ridge Of Grand Island.

Majority high-risk neighborhoods

Plantation At Leesburg Heron Run (90%). 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.