Riverview Flood Zones by Neighborhood
Flood zone decides two things for a buyer in Riverview: 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 37 Riverview neighborhoods and 592 listing addresses checked against the FEMA National Flood Hazard Layer, 93% of addresses sit outside the Special Flood Hazard Area (Zone X), 7% are in A-series high-risk zones. 1 neighborhood is majority high-risk; 23 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 Riverview (county Citizens average, ZIP by ZIP).
Riverview 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 |
|---|---|---|---|---|
| ballentrae | 50% | 50% | — | 18 |
| Valhalla | 57% | 43% | — | 23 |
| villages of bloomingdale | 70% | 30% | — | 20 |
| Clubhouse Estates At Summerfield | 82% | 18% | — | 11 |
| summerfield village | 84% | 16% | — | 25 |
| Osprey Run Townhomes | 88% | 12% | — | 17 |
| st charles place | 88% | 12% | — | 16 |
| Oak Creek | 88% | 12% | — | 16 |
| Triple Creek | 92% | 8% | — | 13 |
| boyette springs | 92% | 8% | — | 13 |
| Meadowbrooke At Summerfield | 92% | 8% | — | 12 |
| Lucaya Lake Club | 94% | 6% | — | 18 |
| villages of lake st charles | 94% | 6% | — | 17 |
| triple creek | 95% | 5% | — | 20 |
| south fork | 100% | 0% | — | 33 |
| arbor park | 100% | 0% | — | 26 |
| panther trace | 100% | 0% | — | 23 |
| Magnolia Park Northeast E | 100% | 0% | — | 23 |
| lake st charles | 100% | 0% | — | 22 |
| Spencer Glen South | 100% | 0% | — | 19 |
| Avelar Creek North | 100% | 0% | — | 17 |
| Spencer Glen | 100% | 0% | — | 17 |
| magnolia park central | 100% | 0% | — | 16 |
| Carlton Lakes | 100% | 0% | — | 15 |
| stogi ranch | 100% | 0% | — | 14 |
| Magnolia Park | 100% | 0% | — | 14 |
| Triple Creek | 100% | 0% | — | 14 |
| Reserve At Paradera | 100% | 0% | — | 14 |
| cristina | 100% | 0% | — | 12 |
| magnolia creek | 100% | 0% | — | 12 |
| belmond reserve | 100% | 0% | — | 11 |
| Riverview Lakes | 100% | 0% | — | 9 |
| hawks fern | 100% | 0% | — | 9 |
| Summerfield Crossings Village | 100% | 0% | — | 9 |
| Peninsula At Rhodine Lake | 100% | 0% | — | 8 |
| wilson manor | 100% | 0% | — | 8 |
| boyette creek | 100% | 0% | — | 8 |
Sampled entirely outside the flood hazard area
south fork, arbor park, panther trace, Magnolia Park Northeast E, lake st charles, Spencer Glen South, Avelar Creek North, Spencer Glen, magnolia park central, Carlton Lakes, stogi ranch, Magnolia Park, Triple Creek, Reserve At Paradera, cristina, magnolia creek, belmond reserve, Riverview Lakes, hawks fern, Summerfield Crossings Village, Peninsula At Rhodine Lake, wilson manor, boyette creek.
Majority high-risk neighborhoods
ballentrae (50%). 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.