Palm City Flood Zones by Neighborhood
Flood zone decides two things for a buyer in Palm City: 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 14 Palm City neighborhoods and 171 listing addresses checked against the FEMA National Flood Hazard Layer, 94% of addresses sit outside the Special Flood Hazard Area (Zone X), 6% are in A-series high-risk zones. 0 neighborhoods are majority high-risk; 11 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).
Buying? Search homes for sale in Palm City, FL
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Check the exact address on the FEMA Flood Map Service Center before you make an offer.
Flood is a separate policy from homeowners insurance; for the homeowners side, see the cost of home insurance in Palm City (county Citizens average, ZIP by ZIP).
Palm City 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 |
|---|---|---|---|---|
| Palm City Farms | 54% | 46% | — | 13 |
| Seagate Harbor | 67% | 33% | — | 9 |
| Highlands Reserve | 93% | 7% | — | 15 |
| Newfield Crossroads | 100% | 0% | — | 30 |
| Sunset Trace At Martin Downs Aka Martin Downs Pla | 100% | 0% | — | 14 |
| Hammock Creek | 100% | 0% | — | 13 |
| Cobblestone | 100% | 0% | — | 12 |
| The Meadows At Martin Downs | 100% | 0% | — | 11 |
| Pipers Landing | 100% | 0% | — | 10 |
| Rustic Hills | 100% | 0% | — | 10 |
| Crane Creek Country Club | 100% | 0% | — | 9 |
| Stuart West | 100% | 0% | — | 9 |
| Canopy Creek | 100% | 0% | — | 8 |
| PALM Cove GOLF & YACHT CLUB | 100% | 0% | — | 8 |
Sampled entirely outside the flood hazard area
Newfield Crossroads, Sunset Trace At Martin Downs Aka Martin Downs Pla, Hammock Creek, Cobblestone, The Meadows At Martin Downs, Pipers Landing, Rustic Hills, Crane Creek Country Club, Stuart West, Canopy Creek, PALM Cove GOLF & YACHT CLUB.
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, November 2026.