Melbourne Flood Zones by Neighborhood

Flood zone decides two things for a buyer in Melbourne: 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 51 Melbourne neighborhoods and 653 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; 39 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 Melbourne (county Citizens average, ZIP by ZIP).

Melbourne 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

Pangea Park, Bridgewater At Viera, Sonesta Walk, Loren Cove, Bowe Gardens, Lake Washington Townhomes, South Oaks Merritt Island, Westbrooke, Crystal Lakes West, Alamanda Key, Avalonia, Bel Aire Palms, Trasona, Hollywood Estates, Six Mile Creek, Compass Pointe, Saddlebrooke Of W Melbourne A, Laurasia, Tradewinds Homes Subd, Farallon Fields, Eagle Lake N, Fairway Lakes At Viera, Riverwalk Of Melbourne, Cannova Park, Oak Grove At W, Pinewood Village, Meadow Cove, Country Club Colony, Carriage Gate, Three Fountains Of Viera Condo, June Park, Oxford Ridge, Crown Heights, The Falls At Sheridan, Almar Subd, James Landing Pud, Kerrington, Honeybrook Plantation, Misty Way.

Majority high-risk neighborhoods

Veranda Place (60%). 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.