North Fort Myers Flood Zones by Neighborhood
Flood zone decides two things for a buyer in North Fort Myers: 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; V-series zones add coastal wave action. 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 18 North Fort Myers neighborhoods and 307 listing addresses checked against the FEMA National Flood Hazard Layer, 43% of addresses sit outside the Special Flood Hazard Area (Zone X), 56% are in A-series high-risk zones and 1% in V-series coastal zones. 10 neighborhoods are majority high-risk; 6 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 North Fort Myers (county Citizens average, ZIP by ZIP).
North Fort Myers 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 |
|---|---|---|---|---|
| Old Bridge Village | 0% | 100% | — | 23 |
| Forest Park Mobile Home | 0% | 100% | — | 16 |
| Moody River Estates | 0% | 100% | — | 11 |
| Lazy Days Mobile Village | 0% | 100% | — | 10 |
| Admiralty Yacht & Racquet Club | 0% | 100% | — | 8 |
| Magnolia Landing | 8% | 92% | — | 25 |
| Tamiami Village | 18% | 82% | — | 11 |
| North Fort Myers | 25% | 72% | 3% | 64 |
| Bayshore Commons | 25% | 75% | — | 8 |
| Coral Bay | 30% | 70% | — | 23 |
| Del Vera Country Club | 75% | 25% | — | 12 |
| Suncoast Estates Unrec | 82% | 18% | — | 11 |
| Crane Landing | 100% | 0% | — | 26 |
| Six Lakes Country Club | 100% | 0% | — | 20 |
| Fountain View RV Resort | 100% | 0% | — | 12 |
| Brightwater | 100% | 0% | — | 11 |
| Solena | 100% | 0% | — | 8 |
| Del Webb Oak Creek | 100% | 0% | — | 8 |
Sampled entirely outside the flood hazard area
Crane Landing, Six Lakes Country Club, Fountain View RV Resort, Brightwater, Solena, Del Webb Oak Creek.
Majority high-risk neighborhoods
Old Bridge Village (100%), Forest Park Mobile Home (100%), Moody River Estates (100%), Lazy Days Mobile Village (100%), Admiralty Yacht & Racquet Club (100%), Magnolia Landing (92%), Tamiami Village (82%), North Fort Myers (75%), Bayshore Commons (75%), Coral Bay (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, October 2026.