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 27 Ponte Vedra Beach neighborhoods and 363 listing addresses checked against the FEMA National Flood Hazard Layer, 79% of addresses sit outside the Special Flood Hazard Area (Zone X), 17% are in A-series high-risk zones and 4% in V-series coastal zones. 6 neighborhoods are majority high-risk; 15 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 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 | 8% | 92% | — | 12 |
| Oakbridge | 25% | 75% | — | 8 |
| Marsh Landing | 29% | 71% | — | 24 |
| Palm Valley Gardens | 30% | 70% | — | 10 |
| Ocean Grove | 47% | 53% | — | 17 |
| Ponte Vedra Beach | 48% | 4% | 48% | 27 |
| Sawgrass Players Club | 71% | 29% | — | 17 |
| Grand Cay Villas | 80% | 20% | — | 10 |
| Sawmill Lakes | 85% | 15% | — | 13 |
| Turtle Shores | 91% | 9% | — | 11 |
| Odoms Mill | 92% | 8% | — | 13 |
| Sawgrass Country Club | 95% | 5% | — | 19 |
| The Plantation At Pv | 100% | 0% | — | 25 |
| Summer House | 100% | 0% | — | 15 |
| Fairfield | 100% | 0% | — | 14 |
| L Atrium | 100% | 0% | — | 13 |
| Seaside At Ponte Vedra Beach | 100% | 0% | — | 13 |
| Plantation Oaks | 100% | 0% | — | 13 |
| Dolphin Cove | 100% | 0% | — | 12 |
| Belleza At Ponte Vedra Condo | 100% | 0% | — | 12 |
| Seaview Park | 100% | 0% | — | 12 |
| Ocean Grande | 100% | 0% | — | 11 |
| Ponte Vedra Landing | 100% | 0% | — | 9 |
| Ocean Links Of Pv | 100% | 0% | — | 9 |
| Seahawk At Ponte Vedra Lakes Condo | 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, Summer House, Fairfield, L Atrium, Seaside At Ponte Vedra Beach, Plantation Oaks, Dolphin Cove, Belleza At Ponte Vedra Condo, Seaview Park, Ocean Grande, Ponte Vedra Landing, Ocean Links Of Pv, Seahawk At Ponte Vedra Lakes Condo, Ocean Grove Of Ponte Vedra Condo, The Islands At Ponte Vedra Lakes.
Majority high-risk neighborhoods
East Coast Canal Estates (92%), Oakbridge (75%), Marsh Landing (71%), Palm Valley Gardens (70%), Ocean Grove (53%), Ponte Vedra Beach (52%). 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.