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 55 Melbourne neighborhoods and 736 listing addresses checked against the FEMA National Flood Hazard Layer, 94% of addresses sit outside the Special Flood Hazard Area (Zone X), 6% are in A-series high-risk zones. 4 neighborhoods are majority high-risk; 38 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).

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

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

Majority high-risk neighborhoods

Post Road Cascades (88%), Veranda Place (60%), Holiday Springs At Suntree (50%), Daintree (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.