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 232 Orlando neighborhoods and 2,813 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; 199 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 Orlando (county Citizens average, ZIP by ZIP).

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%—10
East Orlando9%91%—11
Countryside20%80%—10
Woodside Preserve25%75%—16
Condel Gardens62%38%—8
Sand Lake Sound64%36%—11
Estates At Nona Sound67%33%—9
Everbe73%27%—30
Lake Preserve75%25%—16
Bithlo77%23%—13
Quail Trail Estates78%22%—9
The Village Condo80%20%—10
Lake Barton Park80%20%—10
Rio Pinar East82%18%—11
North Shore At Lake Hart86%14%—14
Dover Shores88%12%—8
Regent Park89%11%—9
Wyndham Lakes Estates90%10%—29
Hiawassee Landings90%10%—10
Washington Shores90%10%—10
Bay Vista Estates90%10%—10
Solace At Corner Lake91%9%—11
Lake Mann Estates91%9%—11
Medallion Estates91%9%—11
Sand Lake Point92%8%—13
Orlando Highlands92%8%—12
econ landing92%8%—12
Deerwood92%8%—12
North Bay93%7%—15
Sky Lake94%6%—16
Angebilt95%5%—19
Meridian Parks96%4%—23
Laureate Park At Lake Nona98%2%—54
Rocket City100%0%—29
Paradiso Grande100%0%—29
Richmond Heights100%0%—24
Hamptons Metrowest100%0%—22
randal park100%0%—22
Lake Nona Estates100%0%—21
Parkview Reserve100%0%—20
Baldwin Park100%0%—20
storey park100%0%—19
Whisper Lakes100%0%—18
Spring Isle100%0%—18
Park Manor Estates100%0%—18
Sand Lake Hills100%0%—18
Eagle Creek100%0%—17
Wetherbee Lakes100%0%—17
Pine Ridge Estates100%0%—17
andover lakes100%0%—16
Bryn Mawr100%0%—16
Timber Isle100%0%—16
Hawthorne Village100%0%—16
Tradewinds100%0%—16
Regency Gardens100%0%—16
Lake Ridge Village100%0%—15
Rio Pinar Lakes100%0%—15
Harrell Oaks100%0%—15
Avalon Park South100%0%—15
Southwood100%0%—15
Storey Park Pcl L100%0%—15
Kensington100%0%—15
Metrowest100%0%—15
Engelwood Park100%0%—15
Anderson Park100%0%—14
Sawgrass Plantation100%0%—14
Sunshine Gardens100%0%—14
Lake Sparling Heights100%0%—14
Tivoli Gardens100%0%—14
Granada Villas100%0%—14
crescent park100%0%—14
Robinson Hills100%0%—14
Vistas Phillips Commons100%0%—14
Cypress Pointe Lake100%0%—14
Waterford Villas100%0%—14
East Dale Acres100%0%—14
Northlake Park At Lake Nona100%0%—14
Orwin Manor Westminster100%0%—14
Dover Manor100%0%—14
/east park100%0%—14
Fernway100%0%—14
Bermuda Dunes Private Residence100%0%—13
Signal Hill100%0%—13
Shenandoah Reserve100%0%—13
Isle Catalina100%0%—13
Pembrooke100%0%—13
Stonebridge100%0%—13
Reserve Golden Isle100%0%—13
Ruby Lake100%0%—13
Eagle Creek Village100%0%—13
Richmond Estates100%0%—13
Harbor East100%0%—13
Royal Manor Villas100%0%—13
Colonial Gardens100%0%—13
Isles Of Lake Nona100%0%—13
College Park100%0%—13
Villagewalk Lake Nonaa 01B100%0%—13
South Bay100%0%—13
Moss Park Ridge100%0%—12
Bonita Park100%0%—12
country run100%0%—12
Rose Hill100%0%—12
Royal Estates100%0%—12
Fountains Metro West100%0%—12
Villanova/Hunters Creek100%0%—12
East Orlando Estates100%0%—12
Brix At The Packing District100%0%—12
Arbor Ridge West100%0%—12
Oaks Moss Park100%0%—12
Stone Forest100%0%—12
CYPRESS Springs100%0%—12
Evans Village100%0%—12
Enclave/Moss Park100%0%—12
Villas Costa Del Sol100%0%—12
Avalion100%0%—12
Sanctuary Bay Hill100%0%—12
Nona West100%0%—12
Waterside Estates100%0%—12
Ivanhoe Estates100%0%—12
Lake Kehoe Preserve100%0%—12
Windsong Estates100%0%—12
Residences/Millenia100%0%—12
Sunshine Gardens100%0%—12
Venetian Place100%0%—12
Arbors Meadow Woods100%0%—11
Silver Star Estates100%0%—11
Southern Oaks100%0%—11
Lake Nona Preserve100%0%—11
Goldenrod Reserve100%0%—11
Ritz Carlton Residences100%0%—11
Randal Walk100%0%—11
Mosaic/Millenia100%0%—11
Waters Edge Boca Pointe At Turtle Creek100%0%—11
Green Briar Village100%0%—11
Beverly Shores100%0%—11
Coach Homes At Dover Village100%0%—11
Meadowbrook Acres100%0%—11
Essex Point South100%0%—11
Tyson Ranch100%0%—11
College Park100%0%—11
Woodside Village100%0%—11
Quail Hollow At Rio Pinar100%0%—11
Millennium Palms100%0%—11
Avalon Park Village 04 B K100%0%—11
Torey Pines100%0%—11
Orangewood Village100%0%—10
Ridgemoore100%0%—10
Live Oak Estates100%0%—10
Waters Edge Lake Nona100%0%—10
Harbor Heights100%0%—10
Spring Lake Terrace100%0%—10
Avalon Park100%0%—10
Preserve At Laureate Park100%0%—10
Huckleberry Fields Tracts N9 N10100%0%—10
Audubon Villas/Hunters Creek Condo100%0%—10
Malibu Groves100%0%—10
Lake Lawne Shores100%0%—10
Albert Lee Ridge100%0%—10
La Vina100%0%—10
Nona West Townhomes100%0%—10
Fern Court100%0%—10
Conway Hills100%0%—10
Azur Metrowest100%0%—10
Clubhouse Estates100%0%—10
Cypress Lakes Pcls D L100%0%—10
Ventura Club100%0%—10
Hiawassee Hills100%0%—10
Palms Club Condominium100%0%—10
Reserve At Wedgefield100%0%—10
Hiawassee Point100%0%—10
Tivoli Woods Village C100%0%—10
Crowntree Lakes100%0%—9
Village Square100%0%—9
Bridge Water100%0%—9
Courtney Landing100%0%—9
Tiffany Terrace100%0%—9
Rockwood Estates100%0%—9
Wedgewood Groves100%0%—9
Oaktree Village100%0%—9
Surrey Ridge100%0%—9
Lake Conway Woods100%0%—9
Newbury Park100%0%—9
Kingswood Manor100%0%—9
Silver Beach100%0%—9
Royal Legacy Estates100%0%—9
Villas At Signal Hill100%0%—9
Somerset Chase100%0%—9
Baldwin Crossing100%0%—9
American Heritage Estates100%0%—9
Stonebridge Reserve100%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
Plaza Millenium100%0%—9
Marble Head100%0%—9
Crystal Lake Terrace100%0%—9
Breezewood100%0%—9
Rocket Citya100%0%—8
Eastwood100%0%—8
Ardmore Manor100%0%—8
Kensington At Eastwood100%0%—8
Orla Vista Heights100%0%—8
Village At Curry Ford Woods100%0%—8
Savannah Palms100%0%—8
Parkview North100%0%—8
Villagewalk Lake Nonab100%0%—8
Valencia Hills100%0%—8
Westminster Landing100%0%—8
Baldwin Parka100%0%—8
Malibu Groves100%0%—8
Villanova At Hunters Creek100%0%—8
Lime Tree Village100%0%—8
Morningside Lake Nona100%0%—8
Huckleberry Fields100%0%—8
Legacy A H100%0%—8
Coach Homes At Mariners Village100%0%—8
Vista Lakes Town Center100%0%—8
Arbor Ridge North100%0%—8
River Oaks100%0%—8
Whispering Hills100%0%—8
Villagewalk At Lake Nona100%0%—8
Pennsylvania Heights100%0%—8
Westmont100%0%—8
Harbor Lakes100%0%—8
Imperial Estates100%0%—8
Estates Lake Pickett100%0%—8
Ardsley Manor100%0%—8
Toscana W100%0%—8

Sampled entirely outside the flood hazard area

Rocket City, Paradiso Grande, Richmond Heights, Hamptons Metrowest, randal park, Lake Nona Estates, Parkview Reserve, Baldwin Park, storey park, Whisper Lakes, Spring Isle, Park Manor Estates, Sand Lake Hills, Eagle Creek, Wetherbee Lakes, Pine Ridge Estates, andover lakes, Bryn Mawr, Timber Isle, Hawthorne Village, Tradewinds, Regency Gardens, Lake Ridge Village, Rio Pinar Lakes, Harrell Oaks, Avalon Park South, Southwood, Storey Park Pcl L, Kensington, Metrowest, Engelwood Park, Anderson Park, Sawgrass Plantation, Sunshine Gardens, Lake Sparling Heights, Tivoli Gardens, Granada Villas, crescent park, Robinson Hills, Vistas Phillips Commons.

Majority high-risk neighborhoods

The Cove At Nona Sound (100%), East Orlando (91%), 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, October 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