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 78 St. Augustine neighborhoods and 1,268 listing addresses checked against the FEMA National Flood Hazard Layer, 90% 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).

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

Shearwater, Silver Falls, Silver Landing, Reverie At Trailmark, Bridgewater, Bannon Lakes, Shearwater Townhomes, Cherry Elm Townhomes, St Augustine Shores, Beacon Lake, Creekside, Heritage Landing, Samara Lakes, Vista Cove, Brookestone, Johns Creek, Sevilla, Silver Meadows, Glen St Johns, Villages of Valencia, Parkland Preserve, Arbor Mill, Orchard Park, Sebastian Cove, Morgans Cove, Holly Forest Townhomes, St Augustine Lakes, Summer Bay At Grand Oaks, St Johns Golf & Country Club, Royal, Waterford Lakes, Stonehurst Plantation, Sandy Creek, Villages Of Seloy, Oakbrook, Ponce De Leon Hghts, Windward Ranch, Gran Lake, Wingfield Glen, Arbors At Lightsey Crossing.

Majority high-risk neighborhoods

Cascades (100%), Davis Shores (93%), Abbott (89%), Rock Springs Farms (89%), Fullerwood (83%), Villages Of Vilano (75%), Pacetti North Beach (67%), World Golf Village (53%). 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.