St. Johns Flood Zones by Neighborhood

Flood zone decides two things for a buyer in St. Johns: 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 24 St. Johns neighborhoods and 543 listing addresses checked against the FEMA National Flood Hazard Layer, 97% of addresses sit outside the Special Flood Hazard Area (Zone X), 3% are in A-series high-risk zones. 0 neighborhoods are majority high-risk; 19 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. Johns 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

Rivertown, Beachwalk, Julington Creek Plan, Stillwater, Watersong At Rivertown, Mill Creek Forest, Bartram Ranch, Julington Lakes, Grand Creek South, Oxford Estates, Crossings At Cypress Trace Condo, Reserve At Greenbriar, Fruit Cove Woods, Aberdeen, Southern Creek, Worthington Park, Cunningham Creek, Oakridge Landing, The Colony At Greenbriar.

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.