West Palm Beach Flood Zones by Neighborhood
Flood zone decides two things for a buyer in West Palm Beach: 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 30 West Palm Beach neighborhoods and 405 listing addresses checked against the FEMA National Flood Hazard Layer, 94% of addresses sit outside the Special Flood Hazard Area (Zone X), 6% are in A-series high-risk zones. 1 neighborhood is majority high-risk; 24 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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Check the exact address on the FEMA Flood Map Service Center before you make an offer.
Flood is a separate policy from homeowners insurance; for the homeowners side, see the cost of home insurance in West Palm Beach (county Citizens average, ZIP by ZIP).
West Palm Beach 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).
| Neighborhood | Outside SFHA (X) | A-series (high risk) | V-series (coastal) | Addresses |
|---|---|---|---|---|
| Nautilus | 8% | 92% | — | 12 |
| Prospect Park South | 71% | 29% | — | 14 |
| Golden Lakes Village | 79% | 21% | — | 19 |
| Gardens The West Palm Beach | 89% | 11% | — | 9 |
| Palm Beach Farms Co | 91% | 9% | — | 11 |
| The Acreage/Loxahatchee | 92% | 8% | — | 48 |
| Northwood | 100% | 0% | — | 24 |
| flamingo park | 100% | 0% | — | 20 |
| Kelsey City | 100% | 0% | — | 16 |
| Baywinds | 100% | 0% | — | 15 |
| Hillside Park | 100% | 0% | — | 15 |
| Palmbrooke Townhomes | 100% | 0% | — | 15 |
| Breakers West | 100% | 0% | — | 15 |
| Andros Isle | 100% | 0% | — | 14 |
| Mediterranea | 100% | 0% | — | 13 |
| Riverwalk | 100% | 0% | — | 12 |
| Forest Lakes | 100% | 0% | — | 12 |
| Summit Pines | 100% | 0% | — | 12 |
| Ironhorse | 100% | 0% | — | 12 |
| Saratoga Bay | 100% | 0% | — | 11 |
| Terracina Johnson Property | 100% | 0% | — | 11 |
| Cypress Lakes | 100% | 0% | — | 10 |
| Enclave At Mangonia Park | 100% | 0% | — | 9 |
| Victoria Woods | 100% | 0% | — | 8 |
| Pointe Of Woods Pud | 100% | 0% | — | 8 |
| Society Hill Cannongate | 100% | 0% | — | 8 |
| Grandview Heights | 100% | 0% | — | 8 |
| Anthony Groves | 100% | 0% | — | 8 |
| Village Of Sandalwood Lakes South | 100% | 0% | — | 8 |
| Royal Forest Townhouses | 100% | 0% | — | 8 |
Sampled entirely outside the flood hazard area
Northwood, flamingo park, Kelsey City, Baywinds, Hillside Park, Palmbrooke Townhomes, Breakers West, Andros Isle, Mediterranea, Riverwalk, Forest Lakes, Summit Pines, Ironhorse, Saratoga Bay, Terracina Johnson Property, Cypress Lakes, Enclave At Mangonia Park, Victoria Woods, Pointe Of Woods Pud, Society Hill Cannongate, Grandview Heights, Anthony Groves, Village Of Sandalwood Lakes South, Royal Forest Townhouses.
Majority high-risk neighborhoods
Nautilus (92%). 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.