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 83 St. Augustine neighborhoods and 1,413 listing addresses checked against the FEMA National Flood Hazard Layer, 88% of addresses sit outside the Special Flood Hazard Area (Zone X), 12% are in A-series high-risk zones. 10 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 Landing, Silver Falls, Bannon Lakes, Bridgewater, Reverie At Trailmark, Cherry Elm Townhomes, Shearwater Townhomes, Silver Meadows, Beacon Lake, Wgv Heritage Landing, St Augustine Shores, Orchard Park, Samara Lakes, Creekside, Parkland Preserve, Royal St Augustine, Summer Bay At Grand Oaks, Arbor Mill, Glen St Johns, Holly Forest Townhomes, Brookestone, Sevilla, Vista Cove, St Johns Golf & Country Club, Sebastian Cove, Villages of Valencia, Gran Lake, St Augustine Lakes, Morgans Cove, Johns Creek, Meadows At St Johns, Stonehurst Plantation, Sandy Creek, Villages Of Seloy, Waterford Lakes, Wingfield Glen, Arbors At Lightsey Crossing, Grand Oaks, Courtney Oaks.

Majority high-risk neighborhoods

Wgv Cascades (100%), Hildreth Back Bay (100%), Wgv Residences Condo (100%), Davis Shores (94%), Fullerwood (93%), Abbott (88%), Rock Springs Farms (88%), Villages Of Vilano (71%), Pacetti North Beach (69%), Surfside (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, September 2026.