Ponte Vedra Beach Flood Zones by Neighborhood
Flood zone decides two things for a buyer in Ponte Vedra Beach: 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; V-series zones add coastal wave action. 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 Ponte Vedra Beach neighborhoods and 358 listing addresses checked against the FEMA National Flood Hazard Layer, 78% of addresses sit outside the Special Flood Hazard Area (Zone X), 18% are in A-series high-risk zones and 4% in V-series coastal zones. 5 neighborhoods are majority high-risk; 16 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 Ponte Vedra Beach, 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 Ponte Vedra Beach (county Citizens average, ZIP by ZIP).
Ponte Vedra Beach 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 |
|---|---|---|---|---|
| East Coast Canal Estates | 9% | 91% | — | 11 |
| Oakbridge | 25% | 75% | — | 8 |
| Marsh Landing | 30% | 70% | — | 23 |
| Palm Valley Gardens | 33% | 67% | — | 9 |
| Haven at Palm Valley | 44% | 56% | — | 9 |
| Ponte Vedra Beach | 52% | 6% | 42% | 31 |
| Ocean Grove | 56% | 44% | — | 18 |
| Sawgrass Players Club | 62% | 38% | — | 13 |
| Grand Cay Villas | 67% | 33% | — | 9 |
| Sawmill Lakes | 83% | 17% | — | 12 |
| Turtle Shores | 92% | 8% | — | 12 |
| Sawgrass Country Club | 95% | 5% | — | 19 |
| The Plantation At Pv | 100% | 0% | — | 26 |
| L Atrium | 100% | 0% | — | 13 |
| Summer House | 100% | 0% | — | 13 |
| Seaside At Ponte Vedra Beach | 100% | 0% | — | 13 |
| Fairfield | 100% | 0% | — | 13 |
| Seaview Park | 100% | 0% | — | 12 |
| Plantation Oaks | 100% | 0% | — | 12 |
| Dolphin Cove | 100% | 0% | — | 11 |
| Odoms Mill | 100% | 0% | — | 11 |
| Ocean Grande | 100% | 0% | — | 10 |
| Belleza At Ponte Vedra Condo | 100% | 0% | — | 9 |
| Ocean Links Of Pv | 100% | 0% | — | 9 |
| Colony At Ponte Vedra Condo | 100% | 0% | — | 8 |
| Ponte Vedra Landing | 100% | 0% | — | 8 |
| Ocean Grove Of Ponte Vedra Condo | 100% | 0% | — | 8 |
| The Islands At Ponte Vedra Lakes | 100% | 0% | — | 8 |
Sampled entirely outside the flood hazard area
The Plantation At Pv, L Atrium, Summer House, Seaside At Ponte Vedra Beach, Fairfield, Seaview Park, Plantation Oaks, Dolphin Cove, Odoms Mill, Ocean Grande, Belleza At Ponte Vedra Condo, Ocean Links Of Pv, Colony At Ponte Vedra Condo, Ponte Vedra Landing, Ocean Grove Of Ponte Vedra Condo, The Islands At Ponte Vedra Lakes.
Majority high-risk neighborhoods
East Coast Canal Estates (91%), Oakbridge (75%), Marsh Landing (70%), Palm Valley Gardens (67%), Haven at Palm Valley (56%). 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, November 2026.