Which New Port Richey neighborhoods are in a flood zone?

Of the 41 neighborhoods sampled, 14 are majority high-risk (A or V zones): Flor A Mar, Gulf Harbors, Gulf Harbors Woodlands, Gulf Coast Estates, Seven Springs Homes, Gulf Harbors Sea Forest, Fairway Springs, Millpond Estates. The table above lists every sampled neighborhood with its share.

Do I need flood insurance in New Port Richey?

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 681 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.

New Port Richey Flood Zones by Neighborhood

Flood zone decides two things for a buyer in New Port Richey: 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 41 New Port Richey neighborhoods and 681 listing addresses checked against the FEMA National Flood Hazard Layer, 59% of addresses sit outside the Special Flood Hazard Area (Zone X), 41% are in A-series high-risk zones. 14 neighborhoods are majority high-risk; 13 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 New Port Richey (county Citizens average, ZIP by ZIP).

New Port Richey 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
Flor A Mar	0%	100%	—	57
Gulf Harbors	0%	100%	—	27
Gulf Harbors Woodlands	0%	100%	—	22
Gulf Coast Estates	0%	100%	—	11
Seven Springs Homes	5%	95%	—	20
Gulf Harbors Sea Forest	8%	92%	—	12
Fairway Springs	9%	91%	—	11
Millpond Estates	12%	88%	—	16
Magnolia Valley	18%	82%	—	17
Gardens Beacon Square	29%	71%	—	42
Waters Edge	33%	67%	—	12
Paradise Pointe West	45%	55%	—	11
Longleaf	48%	52%	—	21
Greenbrook Estates	50%	50%	—	8
Park Lake Estates	61%	39%	—	18
golden acres estates	67%	33%	—	12
Wilds Condo	67%	33%	—	9
The Glen At River Ridge	80%	20%	—	10
briar patch village	84%	16%	—	19
Colony Lakes	85%	15%	—	13
New Port Richey City	86%	14%	—	21
Deer Park	87%	13%	—	15
Bear Creek Townhomes	88%	12%	—	8
New Port Corners	88%	12%	—	8
Moon Lake Estates	92%	8%	—	36
Tanglewood Terrace	94%	6%	—	17
River Crossing	94%	6%	—	16
Colonial Hills	95%	5%	—	21
Holiday Garden Estates	100%	0%	—	19
Briar Patch	100%	0%	—	17
Rosewood At River Ridge	100%	0%	—	17
Copperspring	100%	0%	—	17
Wyndtree Village	100%	0%	—	15
Virginia City	100%	0%	—	14
Wood Trail Village	100%	0%	—	13
The Oaks At River Ridge	100%	0%	—	12
Little Ridge	100%	0%	—	12
Riverwalk Preserve	100%	0%	—	10
valencia terrace	100%	0%	—	9
Hillandale	100%	0%	—	8
Bryant Square	100%	0%	—	8

Sampled entirely outside the flood hazard area

Holiday Garden Estates, Briar Patch, Rosewood At River Ridge, Copperspring, Wyndtree Village, Virginia City, Wood Trail Village, The Oaks At River Ridge, Little Ridge, Riverwalk Preserve, valencia terrace, Hillandale, Bryant Square.

Majority high-risk neighborhoods

Flor A Mar (100%), Gulf Harbors (100%), Gulf Harbors Woodlands (100%), Gulf Coast Estates (100%), Seven Springs Homes (95%), Gulf Harbors Sea Forest (92%), Fairway Springs (91%), Millpond Estates (88%), Magnolia Valley (82%), Gardens Beacon Square (71%), Waters Edge (67%), Paradise Pointe West (55%), Longleaf (52%), Greenbrook Estates (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, October 2026.

New Port Richey Flood Zones by Neighborhood

New Port Richey 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.