Which Naples neighborhoods are in a flood zone?

Of the 70 neighborhoods sampled, 43 are majority high-risk (A or V zones): Verona Walk, Glades Country Club, Esplanade By The Islands, Esplanade, Conners, Aqualane Shores, Royal Harbor, Riverstone. 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 1,526 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 70 Naples neighborhoods and 1,526 listing addresses checked against the FEMA National Flood Hazard Layer, 36% of addresses sit outside the Special Flood Hazard Area (Zone X), 64% are in A-series high-risk zones. 43 neighborhoods are majority high-risk; 12 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).

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
Verona Walk	0%	100%	—	27
Glades Country Club	0%	100%	—	26
Esplanade By The Islands	0%	100%	—	25
Esplanade	0%	100%	—	25
Conners	0%	100%	—	25
Aqualane Shores	0%	100%	—	22
Royal Harbor	0%	100%	—	19
Riverstone	0%	100%	—	18
Azure At Hacienda Lakes	0%	100%	—	18
Stonecreek	0%	100%	—	18
Valencia Trails	0%	100%	—	17
Isles Of Capri	0%	100%	—	17
Marbella Isles	0%	100%	—	17
Winterpark	0%	100%	—	17
Royal Palm Golf Estates	0%	100%	—	16
Skysail	0%	100%	—	15
Silver Lakes	0%	100%	—	13
Raffia Preserve	0%	100%	—	12
Esplanade At Hacienda Lakes	0%	100%	—	11
Seven Shores	0%	100%	—	11
Falling Waters Beach Resort	0%	100%	—	11
Arboretum	0%	100%	—	10
Heritage Bay	0%	100%	—	10
Lakewood	0%	100%	—	10
Antilles	0%	100%	—	10
Eagle Creek	0%	100%	—	9
Mainsail	0%	100%	—	8
Riviera Colony	0%	100%	—	8
Riverwood	0%	100%	—	8
Lakewood Villas	0%	100%	—	8
Bent Creek Preserve	8%	92%	—	13
Park Shore	9%	91%	—	23
Artesia	10%	90%	—	10
Seychelles	11%	89%	—	9
Greyhawk At Golf Club Of The Everglades	13%	87%	—	15
Isles Of Collier Preserve	20%	80%	—	40
Olde	21%	79%	—	28
Moorings	24%	76%	—	25
Golden Gate Estates	26%	74%	—	390
Viansa	30%	70%	—	10
Port Royal	31%	69%	—	16
Lake Park	33%	67%	—	9
Quail West	44%	56%	—	9
Logan Woods	63%	37%	—	19
Livingston Woods	67%	33%	—	12
Coquina Sands	69%	31%	—	13
Pine Ridge	74%	26%	—	19
Ole	75%	25%	—	24
Castillo At Tiburon	75%	25%	—	8
Island Walk	76%	24%	—	21
Golden Gate City	79%	21%	—	29
Reflection Lakes Of Naples	80%	20%	—	10
Naples Park	82%	18%	—	76
Imperial Golf Estates	89%	11%	—	19
Cypress Trace	91%	9%	—	11
Longshore Lake	92%	8%	—	13
Terreno At Valencia	93%	7%	—	15
Valencia Country Club	96%	4%	—	25
Orange Blossom Ranch	100%	0%	—	35
Clermont	100%	0%	—	16
Naples Bath And Tennis Club	100%	0%	—	15
Huntington Lakes	100%	0%	—	12
Greenlinks	100%	0%	—	11
Village Walk	100%	0%	—	11
Granada Lakes	100%	0%	—	10
Briarwood	100%	0%	—	10
The Groves At Orange Blossom Ranch	100%	0%	—	9
High Point Country Club	100%	0%	—	9
Saturnia Lakes	100%	0%	—	8
Sherwood	100%	0%	—	8

Sampled entirely outside the flood hazard area

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

Majority high-risk neighborhoods

Verona Walk (100%), Glades Country Club (100%), Esplanade By The Islands (100%), Esplanade (100%), Conners (100%), Aqualane Shores (100%), Royal Harbor (100%), Riverstone (100%), Azure At Hacienda Lakes (100%), Stonecreek (100%), Valencia Trails (100%), Isles Of Capri (100%), Marbella Isles (100%), Winterpark (100%), Royal Palm Golf Estates (100%), Skysail (100%), Silver Lakes (100%), Raffia Preserve (100%), Esplanade At Hacienda Lakes (100%), Seven Shores (100%), Falling Waters Beach Resort (100%), Arboretum (100%), Heritage Bay (100%), Lakewood (100%), Antilles (100%), Eagle Creek (100%), Mainsail (100%), Riviera Colony (100%), Riverwood (100%), Lakewood Villas (100%), Bent Creek Preserve (92%), Park Shore (91%), Artesia (90%), Seychelles (89%), Greyhawk At Golf Club Of The Everglades (87%), Isles Of Collier Preserve (80%), Olde (79%), Moorings (76%), Golden Gate Estates (74%), Viansa (70%). 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.

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

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