St. Augustine Flood Zones by Neighborhood
Flood zone decides two things for a buyer in St. Augustine: 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 80 St. Augustine neighborhoods and 1,262 listing addresses checked against the FEMA National Flood Hazard Layer, 89% of addresses sit outside the Special Flood Hazard Area (Zone X), 10% are in A-series high-risk zones. 8 neighborhoods are majority high-risk; 56 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).
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St. Augustine 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
Bannon Lakes, Shearwater, Silver Landing, Silver Falls, Reverie At Trailmark, Silver Meadows, Shearwater Townhomes, Cherry Elm Townhomes, Heritage Landing, Sevilla, Vista Cove, Morgans Cove, Brookestone, Beacon Lake, St Augustine Lakes, Parkland Preserve, Arbor Mill, Samara Lakes, Royal, Bridgewater, Glen St Johns, Holly Forest Townhomes, Summer Bay At Grand Oaks, Orchard Park, Sebastian Cove, Johns Creek, Waterford Lakes, Villages of Valencia, Gran Lake, St Johns Golf & Country Club, Stonehurst Plantation, Villages Of Seloy, Oakbrook, Deerfield Preserve, Windward Ranch, Ravenswood Village, Wingfield Glen, Sandy Creek, Courtney Oaks, Creekside.
Majority high-risk neighborhoods
Cascades (100%), Davis Shores (92%), Fullerwood (92%), Rock Springs Farms (90%), Abbott (89%), Villages Of Vilano (75%), Pacetti North Beach (72%), World Golf Village (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, November 2026.