Understanding Flood Zones in Palm Beach & Martin County
Whether you live in Jupiter, Tequesta, or Hobe Sound, understanding your flood zone is key to protecting your property. Many homeowners assume flood insurance is only necessary in high-risk zones — but in South Florida, heavy rainfall and tidal flooding can affect nearly everyone.
How Flood Zones Work
Flood zones are determined by FEMA and indicate the likelihood of flooding in your area. Zones labeled ‘A’ or ‘AE’ represent high-risk areas, while ‘X’ zones are lower-risk but not flood-free.
Why You Still Need Coverage
More than 20% of flood claims come from homes outside high-risk areas. Standard homeowners insurance does not cover flood damage, making a separate policy essential.
Local Hotspots to Watch
• Jupiter Inlet and Tequesta Point
• Palm Beach Shores and Singer Island
• Hobe Sound’s coastal neighborhoods
Our agents can review your address, identify your flood zone, and help you secure affordable protection through the National Flood Insurance Program (NFIP) or private flood carriers.