Buying or selling? Call (904) 351-6461

Orlando Flood Zones by Neighborhood

Flood zone decides two things for a buyer in Orlando: 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 256 Orlando neighborhoods and 3,191 listing addresses checked against the FEMA National Flood Hazard Layer, 97% of addresses sit outside the Special Flood Hazard Area (Zone X), 3% are in A-series high-risk zones. 4 neighborhoods are majority high-risk; 217 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).

Orlando 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).

NeighborhoodOutside SFHA (X)A-series (high risk)V-series (coastal)Addresses
The Cove At Nona Sound0%100%—11
East Orlando15%85%—13
Countryside20%80%—10
Woodside Preserve25%75%—16
Condel Gardens62%38%—8
Roberta Place62%38%—8
Sand Lake Sound67%33%—12
Estates At Nona Sound67%33%—9
Malibu Groves75%25%—8
Carter Glen75%25%—8
Everbe76%24%—38
Bithlo77%23%—13
Lake Preserve78%22%—18
Quail Trail Estates78%22%—9
The Village Condo80%20%—10
Lake Barton Park80%20%—10
Rio Pinar East82%18%—11
Orlando Highlands87%13%—15
North Bay88%12%—17
North Shore At Lake Hart88%12%—16
Dover Shores88%12%—8
Regent Park89%11%—9
Arbor Ridge89%11%—9
Hiawassee Landings90%10%—10
Wyndham Lakes Estates91%9%—35
Solace At Corner Lake91%9%—11
Washington Shores91%9%—11
Bay Vista Estates91%9%—11
Sand Lake Point92%8%—13
Lake Mann Estates92%8%—12
Deerwood92%8%—12
Medallion Estates92%8%—12
econ landing93%7%—14
Engelwood Park94%6%—18
Sky Lake94%6%—16
Cypress Pointe Lake94%6%—16
Angebilt95%5%—21
Meridian Parks96%4%—23
Laureate Park At Lake Nona99%1%—72
Rocket City100%0%—32
Paradiso Grande100%0%—30
Baldwin Park100%0%—26
Lake Nona Estates100%0%—25
Richmond Heights100%0%—25
Hamptons Metrowest100%0%—24
randal park100%0%—23
storey park100%0%—22
Sand Lake Hills100%0%—21
Spring Isle100%0%—20
Parkview Reserve100%0%—20
Whisper Lakes100%0%—19
Eagle Creek100%0%—19
andover lakes100%0%—19
Pine Ridge Estates100%0%—18
Park Manor Estates100%0%—18
Hawthorne Village100%0%—18
Wetherbee Lakes100%0%—17
crescent park100%0%—17
Isles Of Lake Nona100%0%—17
Metrowest100%0%—17
Tradewinds100%0%—17
Regency Gardens100%0%—17
Lake Ridge Village100%0%—16
Sunshine Gardens100%0%—16
Rio Pinar Lakes100%0%—16
Robinson Hills100%0%—16
Avalon Park South100%0%—16
Bryn Mawr100%0%—16
College Park100%0%—16
Timber Isle100%0%—16
South Bay100%0%—16
Anderson Park100%0%—15
Isle Catalina100%0%—15
Granada Villas100%0%—15
Harrell Oaks100%0%—15
Southwood100%0%—15
Storey Park Pcl L100%0%—15
Kensington100%0%—15
Signal Hill100%0%—14
Sawgrass Plantation100%0%—14
Lake Sparling Heights100%0%—14
Tivoli Gardens100%0%—14
Ruby Lake100%0%—14
Vistas Phillips Commons100%0%—14
Harbor East100%0%—14
Waterford Villas100%0%—14
East Dale Acres100%0%—14
Northlake Park At Lake Nona100%0%—14
Orwin Manor Westminster100%0%—14
/east park100%0%—14
Fernway100%0%—14
Villagewalk Lake Nonaa 01B100%0%—14
Bermuda Dunes Private Residence100%0%—13
Arbors Meadow Woods100%0%—13
Bonita Park100%0%—13
Shenandoah Reserve100%0%—13
Pembrooke100%0%—13
Ritz Carlton Residences100%0%—13
Rose Hill100%0%—13
Stonebridge100%0%—13
Reserve Golden Isle100%0%—13
Eagle Creek Village100%0%—13
Brix At The Packing District100%0%—13
Richmond Estates100%0%—13
Royal Manor Villas100%0%—13
CYPRESS Springs100%0%—13
Colonial Gardens100%0%—13
Dover Manor100%0%—13
Sanctuary Bay Hill100%0%—13
College Park100%0%—13
Cypress Lakes Pcls D L100%0%—13
Lake Kehoe Preserve100%0%—13
Windsong Estates100%0%—13
Moss Park Ridge100%0%—12
country run100%0%—12
Ridgemoore100%0%—12
Live Oak Estates100%0%—12
Southern Oaks100%0%—12
Goldenrod Reserve100%0%—12
Royal Estates100%0%—12
East Orlando Estates100%0%—12
Arbor Ridge West100%0%—12
Oaks Moss Park100%0%—12
Coach Homes At Dover Village100%0%—12
Stone Forest100%0%—12
Meadowbrook Acres100%0%—12
Evans Village100%0%—12
Enclave/Moss Park100%0%—12
Villas Costa Del Sol100%0%—12
Tyson Ranch100%0%—12
Avalion100%0%—12
La Vina100%0%—12
Nona West100%0%—12
Waterside Estates100%0%—12
Ivanhoe Estates100%0%—12
Millennium Palms100%0%—12
Reserve At Wedgefield100%0%—12
Residences/Millenia100%0%—12
Sunshine Gardens100%0%—12
Venetian Place100%0%—12
Silver Star Estates100%0%—11
Lake Nona Preserve100%0%—11
Waters Edge Lake Nona100%0%—11
Randal Walk100%0%—11
Fountains Metro West100%0%—11
Villanova/Hunters Creek100%0%—11
Harbor Heights100%0%—11
Surrey Ridge100%0%—11
Mosaic/Millenia100%0%—11
Waters Edge Boca Pointe At Turtle Creek100%0%—11
Green Briar Village100%0%—11
Beverly Shores100%0%—11
Huckleberry Fields Tracts N9 N10100%0%—11
Audubon Villas/Hunters Creek Condo100%0%—11
Lake Lawne Shores100%0%—11
Essex Point South100%0%—11
Woodside Village100%0%—11
Azur Metrowest100%0%—11
Clubhouse Estates100%0%—11
Quail Hollow At Rio Pinar100%0%—11
Avalon Park Village 04 B K100%0%—11
Torey Pines100%0%—11
Crowntree Lakes100%0%—10
Orangewood Village100%0%—10
Rockwood Estates100%0%—10
Wedgewood Groves100%0%—10
Oaktree Village100%0%—10
Lake Conway Woods100%0%—10
Spring Lake Terrace100%0%—10
Avalon Park100%0%—10
Preserve At Laureate Park100%0%—10
Villas At Signal Hill100%0%—10
Somerset Chase100%0%—10
Stonebridge Reserve100%0%—10
Malibu Groves100%0%—10
Morningside Lake Nona100%0%—10
Albert Lee Ridge100%0%—10
Nona West Townhomes100%0%—10
Marble Head100%0%—10
Fern Court100%0%—10
Conway Hills100%0%—10
Ventura Club100%0%—10
Hiawassee Hills100%0%—10
Palms Club Condominium100%0%—10
Hiawassee Point100%0%—10
Tivoli Woods Village C100%0%—10
Breezewood100%0%—10
Rocket Citya100%0%—9
Village Square100%0%—9
Bridge Water100%0%—9
Kensington At Eastwood100%0%—9
Orla Vista Heights100%0%—9
Courtney Landing100%0%—9
Tiffany Terrace100%0%—9
Village At Curry Ford Woods100%0%—9
Midway100%0%—9
Savannah Palms100%0%—9
Parkview North100%0%—9
Avalon Park, Northwest Village100%0%—9
Newbury Park100%0%—9
Kingswood Manor100%0%—9
Silver Beach100%0%—9
Royal Legacy Estates100%0%—9
Baldwin Crossing100%0%—9
American Heritage Estates100%0%—9
Lime Tree Village100%0%—9
Tierra Bella100%0%—9
University Hylands100%0%—9
Bella Vida100%0%—9
Windhover100%0%—9
Sandpoint At Meadow Woods100%0%—9
Regency Park100%0%—9
Hamptons At Metrowest100%0%—9
Arbor Ridge North100%0%—9
Plaza Millenium100%0%—9
Villagewalk At Lake Nona100%0%—9
Westlake100%0%—9
Crystal Lake Terrace100%0%—9
Carmel Park100%0%—8
Eastwood100%0%—8
Ardmore Manor100%0%—8
Fieldstream North100%0%—8
Jamajo100%0%—8
Stoneybrook East100%0%—8
Royal Manor Estates100%0%—8
Greenview At Dover100%0%—8
La Costa Brava Lakeside100%0%—8
Villagewalk Lake Nonab100%0%—8
Valencia Hills100%0%—8
Westminster Landing100%0%—8
Chatham Place Arbor Meadows A C100%0%—8
Southern Villas100%0%—8
Park Nbrhd100%0%—8
Baldwin Parka100%0%—8
River Oaks Timber Springs A C D100%0%—8
Malibu Groves100%0%—8
Villanova At Hunters Creek100%0%—8
Kingswood Manor100%0%—8
Huckleberry Fields100%0%—8
Legacy A H100%0%—8
Coach Homes At Mariners Village100%0%—8
Vista Lakes Town Center100%0%—8
Lake Cane Estates100%0%—8
River Oaks100%0%—8
Whispering Hills100%0%—8
First Add100%0%—8
Pennsylvania Heights100%0%—8
Chickasaw Woods100%0%—8
Westmont100%0%—8
Harbor Lakes100%0%—8
Imperial Estates100%0%—8
Azalea Homes100%0%—8
Estates Lake Pickett100%0%—8
Ardsley Manor100%0%—8
Toscana100%0%—8
Toscana W100%0%—8

Sampled entirely outside the flood hazard area

Rocket City, Paradiso Grande, Baldwin Park, Lake Nona Estates, Richmond Heights, Hamptons Metrowest, randal park, storey park, Sand Lake Hills, Spring Isle, Parkview Reserve, Whisper Lakes, Eagle Creek, andover lakes, Pine Ridge Estates, Park Manor Estates, Hawthorne Village, Wetherbee Lakes, crescent park, Isles Of Lake Nona, Metrowest, Tradewinds, Regency Gardens, Lake Ridge Village, Sunshine Gardens, Rio Pinar Lakes, Robinson Hills, Avalon Park South, Bryn Mawr, College Park, Timber Isle, South Bay, Anderson Park, Isle Catalina, Granada Villas, Harrell Oaks, Southwood, Storey Park Pcl L, Kensington, Signal Hill.

Majority high-risk neighborhoods

The Cove At Nona Sound (100%), East Orlando (85%), Countryside (80%), Woodside Preserve (75%). 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.

Hiring an agent in Orlando, FL?

Get matched with the right local expert.

Tell us your goal in Orlando, FL and we’ll connect you with the Momentum agent who knows it best — backed by a RealTrends 500 brokerage. No pressure, no obligation.

Prefer to talk now? Call (904) 351-6461.

Work with a local Orlando, FL expert

A real conversation with a local specialist, usually within one business day.

or call (904) 351-6461