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 76 St. Augustine neighborhoods and 1,249 listing addresses checked against the FEMA National Flood Hazard Layer, 88% of addresses sit outside the Special Flood Hazard Area (Zone X), 11% are in A-series high-risk zones. 9 neighborhoods are majority high-risk; 52 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, Beacon Lake, Creekside, Heritage Landing, Silver Meadows, St Augustine Shores, Samara Lakes, Brookestone, Sevilla, Vista Cove, Glen St Johns, Holly Forest Townhomes, Villages of Valencia, Parkland Preserve, Arbor Mill, Orchard Park, Sebastian Cove, Morgans Cove, Royal, Johns Creek, St Augustine Lakes, Summer Bay At Grand Oaks, St Johns Golf & Country Club, Stonehurst Plantation, Sandy Creek, Waterford Lakes, Gran Lake, Arbors At Lightsey Crossing, Villages Of Seloy, Courtney Oaks, Oakbrook, Paloma, Ponce De Leon Hghts.

Majority high-risk neighborhoods

Cascades (100%), Hildreth Back Bay (100%), Davis Shores (93%), Fullerwood (92%), Abbott (88%), Rock Springs Farms (88%), Villages Of Vilano (71%), Pacetti North Beach (67%), 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, October 2026.