Palm Bay Flood Zones by Neighborhood
Flood zone decides two things for a buyer in Palm Bay: 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 28 Palm Bay neighborhoods and 403 listing addresses checked against the FEMA National Flood Hazard Layer, 89% of addresses sit outside the Special Flood Hazard Area (Zone X), 11% are in A-series high-risk zones. 2 neighborhoods are majority high-risk; 23 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 Palm Bay (county Citizens average, ZIP by ZIP).
Palm Bay 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 |
|---|---|---|---|---|
| Malabar Springs | 11% | 89% | — | 9 |
| The Timbers At Everlands | 15% | 85% | — | 26 |
| Tillman | 53% | 47% | — | 15 |
| Richmond Cove | 56% | 44% | — | 16 |
| Palm Bay Estates Mobile Home Park Co/Op Of Tropic | 83% | 17% | — | 12 |
| Port Malabar Country Club | 100% | 0% | — | 37 |
| Reserve At Country Club Lakes Estates | 100% | 0% | — | 28 |
| Palm Bay Colony | 100% | 0% | — | 21 |
| Cypress Bay West Freedom | 100% | 0% | — | 21 |
| Cypress Bay Preserve | 100% | 0% | — | 20 |
| Preserves At Stonebriar | 100% | 0% | — | 19 |
| Parkside West | 100% | 0% | — | 16 |
| Stonebriar At Bayside Lakes | 100% | 0% | — | 14 |
| Port Malabar Holiday Park | 100% | 0% | — | 14 |
| Vista Oaks West | 100% | 0% | — | 13 |
| Country Club Estates | 100% | 0% | — | 13 |
| Courtyard At Waterstone | 100% | 0% | — | 12 |
| Gardens At Waterstone | 100% | 0% | — | 11 |
| Fairway Crossings Townhomes At Bayside Lakes | 100% | 0% | — | 10 |
| Windsor Park Townhomes | 100% | 0% | — | 10 |
| Port Malabar Holiday Park | 100% | 0% | — | 9 |
| Monterey Cove At Bayside Lakes | 100% | 0% | — | 9 |
| Waterstone | 100% | 0% | — | 8 |
| Falls Of Palm Bay | 100% | 0% | — | 8 |
| Wellington At Bayside Lakes | 100% | 0% | — | 8 |
| Shire The Palm Bay | 100% | 0% | — | 8 |
| Magnolia Park At Bayside Lakes | 100% | 0% | — | 8 |
| Forest Glen At Bayside Lakes | 100% | 0% | — | 8 |
Sampled entirely outside the flood hazard area
Port Malabar Country Club, Reserve At Country Club Lakes Estates, Palm Bay Colony, Cypress Bay West Freedom, Cypress Bay Preserve, Preserves At Stonebriar, Parkside West, Stonebriar At Bayside Lakes, Port Malabar Holiday Park, Vista Oaks West, Country Club Estates, Courtyard At Waterstone, Gardens At Waterstone, Fairway Crossings Townhomes At Bayside Lakes, Windsor Park Townhomes, Port Malabar Holiday Park, Monterey Cove At Bayside Lakes, Waterstone, Falls Of Palm Bay, Wellington At Bayside Lakes, Shire The Palm Bay, Magnolia Park At Bayside Lakes, Forest Glen At Bayside Lakes.
Majority high-risk neighborhoods
Malabar Springs (89%), The Timbers At Everlands (85%). 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.