Which Naples neighborhoods are in a flood zone?

Of the 62 neighborhoods sampled, 39 are majority high-risk (A or V zones): Glades Country Club, Aqualane Shores, Esplanade By The Islands, Verona Walk, Conners, Esplanade, Royal Harbor, Stonecreek. The table above lists every sampled neighborhood with its share.

Do I need flood insurance in Naples?

Yes if the home is in an A- or V-series zone and you have a federally backed mortgage; Florida Citizens policyholders need it regardless of zone by 2027. In Zone X it is optional but often inexpensive.

How accurate is this?

It is address-sampled from 1,219 listing coordinates against the current FEMA layer, with a minimum of 8 addresses per neighborhood. Verify the exact parcel on the FEMA Flood Map Service Center before relying on it.

Naples Flood Zones by Neighborhood

Flood zone decides two things for a buyer in Naples: 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 62 Naples neighborhoods and 1,219 listing addresses checked against the FEMA National Flood Hazard Layer, 35% of addresses sit outside the Special Flood Hazard Area (Zone X), 65% are in A-series high-risk zones. 39 neighborhoods are 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 Naples (county Citizens average, ZIP by ZIP).

Naples 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
Glades Country Club	0%	100%	—	25
Aqualane Shores	0%	100%	—	22
Esplanade By The Islands	0%	100%	—	21
Verona Walk	0%	100%	—	21
Conners	0%	100%	—	21
Esplanade	0%	100%	—	19
Royal Harbor	0%	100%	—	16
Stonecreek	0%	100%	—	16
Valencia Trails	0%	100%	—	15
Marbella Isles	0%	100%	—	15
Azure At Hacienda Lakes	0%	100%	—	15
Isles Of Capri	0%	100%	—	13
Winterpark	0%	100%	—	13
Riverstone	0%	100%	—	12
Seven Shores	0%	100%	—	11
Royal Palm Golf Estates	0%	100%	—	11
Esplanade At Hacienda Lakes	0%	100%	—	10
Silver Lakes	0%	100%	—	10
Raffia Preserve	0%	100%	—	10
Riviera Colony	0%	100%	—	9
Lakewood	0%	100%	—	9
Artesia	0%	100%	—	9
Falling Waters Beach Resort	0%	100%	—	9
Arboretum	0%	100%	—	8
Heritage Bay	0%	100%	—	8
Riverwood	0%	100%	—	8
Eagle Creek	0%	100%	—	8
Skysail	8%	92%	—	13
Bent Creek Preserve	9%	91%	—	11
Park Shore	10%	90%	—	21
Seychelles	12%	88%	—	8
Greyhawk At Golf Club Of The Everglades	14%	86%	—	14
Isles Of Collier Preserve	16%	84%	—	31
Olde	22%	78%	—	23
Moorings	22%	78%	—	23
Golden Gate Estates	26%	74%	—	326
Viansa	33%	67%	—	9
Port Royal	36%	64%	—	14
Lake Park	38%	62%	—	8
Logan Woods	67%	33%	—	12
Livingston Woods	67%	33%	—	12
Pine Ridge	68%	32%	—	19
Coquina Sands	69%	31%	—	13
Ole	72%	28%	—	18
Castillo At Tiburon	75%	25%	—	8
Golden Gate City	80%	20%	—	20
Naples Park	82%	18%	—	65
Island Walk	83%	17%	—	12
Imperial Golf Estates	86%	14%	—	14
Cypress Trace	88%	12%	—	8
Terreno At Valencia	91%	9%	—	11
Valencia Country Club	95%	5%	—	20
Orange Blossom Ranch	100%	0%	—	32
Clermont	100%	0%	—	16
Naples Bath And Tennis Club	100%	0%	—	12
Greenlinks	100%	0%	—	10
Huntington Lakes	100%	0%	—	10
Granada Lakes	100%	0%	—	9
High Point Country Club	100%	0%	—	9
The Groves At Orange Blossom Ranch	100%	0%	—	8
Village Walk	100%	0%	—	8
Longshore Lake	100%	0%	—	8

Sampled entirely outside the flood hazard area

Orange Blossom Ranch, Clermont, Naples Bath And Tennis Club, Greenlinks, Huntington Lakes, Granada Lakes, High Point Country Club, The Groves At Orange Blossom Ranch, Village Walk, Longshore Lake.

Majority high-risk neighborhoods

Glades Country Club (100%), Aqualane Shores (100%), Esplanade By The Islands (100%), Verona Walk (100%), Conners (100%), Esplanade (100%), Royal Harbor (100%), Stonecreek (100%), Valencia Trails (100%), Marbella Isles (100%), Azure At Hacienda Lakes (100%), Isles Of Capri (100%), Winterpark (100%), Riverstone (100%), Seven Shores (100%), Royal Palm Golf Estates (100%), Esplanade At Hacienda Lakes (100%), Silver Lakes (100%), Raffia Preserve (100%), Riviera Colony (100%), Lakewood (100%), Artesia (100%), Falling Waters Beach Resort (100%), Arboretum (100%), Heritage Bay (100%), Riverwood (100%), Eagle Creek (100%), Skysail (92%), Bent Creek Preserve (91%), Park Shore (90%), Seychelles (88%), Greyhawk At Golf Club Of The Everglades (86%), Isles Of Collier Preserve (84%), Olde (78%), Moorings (78%), Golden Gate Estates (74%), Viansa (67%), Port Royal (64%), Lake Park (62%). 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.

Naples Flood Zones by Neighborhood

Naples neighborhoods ranked by flood exposure

Sampled entirely outside the flood hazard area

Majority high-risk neighborhoods

How to read this

Get matched with the right local expert.