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 29 Palm Bay neighborhoods and 447 listing addresses checked against the FEMA National Flood Hazard Layer, 90% of addresses sit outside the Special Flood Hazard Area (Zone X), 10% are in A-series high-risk zones. 2 neighborhoods are majority high-risk; 24 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).
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 | 18% | 82% | — | 28 |
| Richmond Cove | 56% | 44% | — | 16 |
| Tillman | 59% | 41% | — | 17 |
| Palm Bay Estates Mobile Home Park Co/Op Of Tropic | 87% | 13% | — | 15 |
| Port Malabar Country Club | 100% | 0% | — | 39 |
| Cypress Bay West Freedom | 100% | 0% | — | 37 |
| Reserve At Country Club Lakes Estates | 100% | 0% | — | 33 |
| Palm Bay Colony | 100% | 0% | — | 24 |
| Preserves At Stonebriar | 100% | 0% | — | 21 |
| Parkside West | 100% | 0% | — | 18 |
| Cypress Bay Preserve | 100% | 0% | — | 17 |
| Courtyard At Waterstone | 100% | 0% | — | 14 |
| Vista Oaks West | 100% | 0% | — | 13 |
| Stonebriar At Bayside Lakes | 100% | 0% | — | 13 |
| Port Malabar Holiday Park | 100% | 0% | — | 13 |
| Country Club Estates | 100% | 0% | — | 13 |
| Fairway Crossings Townhomes At Bayside Lakes | 100% | 0% | — | 11 |
| Gardens At Waterstone | 100% | 0% | — | 11 |
| Wellington At Bayside Lakes | 100% | 0% | — | 10 |
| Windsor Park Townhomes | 100% | 0% | — | 9 |
| Monterey Cove At Bayside Lakes | 100% | 0% | — | 9 |
| Forest Glen At Bayside Lakes | 100% | 0% | — | 9 |
| Falls Of Palm Bay | 100% | 0% | — | 8 |
| Fairway Isles At Bayside Lakes | 100% | 0% | — | 8 |
| Shire The Palm Bay | 100% | 0% | — | 8 |
| Vista Oaks | 100% | 0% | — | 8 |
| Bayside Lakes | 100% | 0% | — | 8 |
| Avery Springs | 100% | 0% | — | 8 |
Sampled entirely outside the flood hazard area
Port Malabar Country Club, Cypress Bay West Freedom, Reserve At Country Club Lakes Estates, Palm Bay Colony, Preserves At Stonebriar, Parkside West, Cypress Bay Preserve, Courtyard At Waterstone, Vista Oaks West, Stonebriar At Bayside Lakes, Port Malabar Holiday Park, Country Club Estates, Fairway Crossings Townhomes At Bayside Lakes, Gardens At Waterstone, Wellington At Bayside Lakes, Windsor Park Townhomes, Monterey Cove At Bayside Lakes, Forest Glen At Bayside Lakes, Falls Of Palm Bay, Fairway Isles At Bayside Lakes, Shire The Palm Bay, Vista Oaks, Bayside Lakes, Avery Springs.
Majority high-risk neighborhoods
Malabar Springs (89%), The Timbers At Everlands (82%). 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.