Port Orange Flood Zones by Neighborhood

Flood zone decides two things for a buyer in Port Orange: 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 30 Port Orange neighborhoods and 373 listing addresses checked against the FEMA National Flood Hazard Layer, 95% of addresses sit outside the Special Flood Hazard Area (Zone X), 5% are in A-series high-risk zones. 1 neighborhood is 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).

Flood is a separate policy from homeowners insurance; for the homeowners side, see the cost of home insurance in Port Orange (county Citizens average, ZIP by ZIP).

Port Orange 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).

Sampled entirely outside the flood hazard area

Spruce Creek Fly In Port Orange, Countryside, Woodhaven, Commonwealth, Laurelwood, Riverwood Plantation, Port Orange Plantation, Westport Reserve, Sanctuary On Spruce Creek, Cypress Head, Wilbur By The Sea, Villages Of Royal Palm, Forest Lake Preserve, Beacon Woods, Groves, Sabal Creek, Coquina Cove, Sleepy Hollow, Southwinds, Brandy Hills, Town Park, Sawgrass Point, Barefoot Park, Shallowbrook At Dunlawton Hill.

Majority high-risk neighborhoods

Sugar Forest (70%). 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.