Palm Harbor Flood Zones by Neighborhood
Flood zone decides two things for a buyer in Palm Harbor: 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 25 Palm Harbor neighborhoods and 347 listing addresses checked against the FEMA National Flood Hazard Layer, 83% of addresses sit outside the Special Flood Hazard Area (Zone X), 17% are in A-series high-risk zones. 3 neighborhoods are majority high-risk; 14 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 Harbor 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 |
|---|---|---|---|---|
| baywood village | 9% | 86% | 5% | 22 |
| Ozona Shores | 9% | 91% | — | 11 |
| Salem Square | 29% | 71% | — | 17 |
| Harbor Ridge Of Palm Harbor | 62% | 38% | — | 8 |
| Anchorage Of Tarpon Lake | 73% | 27% | — | 15 |
| Sutherland Town | 78% | 22% | — | 18 |
| Strathmore Gate East | 81% | 19% | — | 16 |
| tarpon woods | 89% | 11% | — | 9 |
| Boot Ranch | 92% | 8% | — | 12 |
| Lake St. George | 94% | 6% | — | 17 |
| Lake St George South | 95% | 5% | — | 19 |
| Harbor Landing | 100% | 0% | — | 20 |
| Lake Tarpon Mobile Home Village | 100% | 0% | — | 18 |
| Westlake Village | 100% | 0% | — | 16 |
| lake valencia | 100% | 0% | — | 15 |
| Franklin Square | 100% | 0% | — | 14 |
| Hidden Grove | 100% | 0% | — | 14 |
| Montrose At Innisbrook | 100% | 0% | — | 12 |
| Groves At Cobbs Landing | 100% | 0% | — | 12 |
| juniper bay | 100% | 0% | — | 12 |
| Pine Ridge At Palm Harbor | 100% | 0% | — | 11 |
| Hammocks | 100% | 0% | — | 11 |
| Villas Of San Marino At Palm Harbor | 100% | 0% | — | 10 |
| Green Valley Estates | 100% | 0% | — | 10 |
| Hamlet At Bentley Park | 100% | 0% | — | 8 |
Sampled entirely outside the flood hazard area
Harbor Landing, Lake Tarpon Mobile Home Village, Westlake Village, lake valencia, Franklin Square, Hidden Grove, Montrose At Innisbrook, Groves At Cobbs Landing, juniper bay, Pine Ridge At Palm Harbor, Hammocks, Villas Of San Marino At Palm Harbor, Green Valley Estates, Hamlet At Bentley Park.
Majority high-risk neighborhoods
baywood village (91%), Ozona Shores (91%), Salem Square (71%). 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.