Flood Zone X New Construction Communities in Tampa Bay

83 active new construction communities in our Tampa Bay records are mapped in FEMA flood zone X: Pasco (48), Hillsborough (15), Hernando (16), Pinellas (1), Polk (3). Zone X is outside the 1% annual-chance floodplain, so federally backed lenders generally do not require flood insurance there. Flood zones are set lot by lot, so confirm the zone for the exact homesite.

Last verified: November 6, 2026. Built from Vicinity's community records; confirm details with the builder before you buy.

Pasco County

Community	Builder	City	Price	Flood zone
Bellamy Crossings	Lennar	Dade City	$308K to $450K	X
Harmony Ridge at Pasadena Hills	M/I Homes	Dade City	Not listed	X
Hill Country Estates	Adams Homes	Dade City	$516K to $610K	X
Hilltop Point	M/I Homes, Lennar	Dade City	$317K to $446K	X
Hilltop Vistas	Meritage Homes	Dade City	$400K to $450K	X
Lake Jovita	ICI Homes	Dade City	$496K to $529K	X
Sandhill	D.R. Horton, Lennar	Dade City	$310K to $362K	X
Summit View	D.R. Horton	Dade City	$290K to $400K	X
Tuscan Hills	Dream Finders Homes	Dade City	$415K to $475K	X
Vista Walk	Starlight Homes, Lennar	Dade City	$227K to $409K	X
Bella Terra	Not listed	Hudson	$810K to $960K	X
Brighton Park	D.R. Horton	Hudson	$273K to $310K	X
Meadow Oaks	M/I Homes	Hudson	$190K to $500K	X
Palm Wind	Taylor Morrison	Hudson	$293K to $450K	X
Pine Ridge Meadows	Meritage Homes	Hudson	$325K to $497K	X
Preserve at Legends Pointe	KB Home	Hudson	$277K to $400K	X
Angeline	D.R. Horton, Lennar, Dream Finders Homes	Land O' Lakes	$280K to $575K	X
Riverstone	KB Home	Land O' Lakes	$325K to $440K	X
Hidden Ridge	Not listed	New Port Richey	$484K to $1M	X
Longleaf — Hawk Longleaf	Homes by WestBay	New Port Richey	$600K to $900K	X
New Port Corners	Lennar	New Port Richey	$244K to $494K	X
Primrose at Longleaf	DRB Homes	New Port Richey	$515K to $686K	X
Hillcrest	Not listed	San Antonio	$400K	X
Isla Mirada	DRB Homes	San Antonio	$325K to $41K	X
Medley at Mirada	Lennar	San Antonio	$234K to $518K	X
Shores of Mirada	Dream Finders Homes	San Antonio	$260K to $290K	X
Acacia Fields	Lennar	Wesley Chapel	$324K to $491K	X
Esplanade at Wiregrass Ranch	Taylor Morrison	Wesley Chapel	$400K to $800K	X
Meadow Ridge at Epperson	D.R. Horton	Wesley Chapel	$290K to $354K	X
Pasadena Landing	Casa Fresca Homes	Wesley Chapel	$415K to $580K	X
Persimmon Park	David Weekley Homes, ICI Homes	Wesley Chapel	$375K to $550K	X
Valencia Ridge	GL Homes	Wesley Chapel	$500K to $900K	X
Abbott Park	D.R. Horton	Zephyrhills	$285K to $348K	X
Ackley at Two Rivers	Meritage Homes	Zephyrhills	$407K to $586K	X
Creekwood at Two Rivers	Lennar	Zephyrhills	$460K to $618K	X
Deer Springs	KB Home	Zephyrhills	$300K	X
Delyle at Two Rivers	Pulte Homes	Zephyrhills	$530K to $919K	X
Fairwood at Two Rivers	Homes by WestBay	Zephyrhills	$390K to $540K	X
Fieldcrest at Two Rivers	Casa Fresca Homes	Zephyrhills	$339K to $530K	X
Hammock at Two Rivers	Taylor Morrison, D.R. Horton	Zephyrhills	$457K to $650K	X
Holter at Two Rivers	Not listed	Zephyrhills	Not listed	X
Northwater at Two Rivers	D.R. Horton	Zephyrhills	$341K to $400K	X
River Run	KB Home	Zephyrhills	$280K to $350K	X
Ryals Field at Two Rivers	Homes by WestBay	Zephyrhills	$699K to $995K	X
Shortgrass at Two Rivers	M/I Homes	Zephyrhills	$429K to $841K	X
Tamarack at Two Rivers	William Ryan Homes, Park Square Homes	Zephyrhills	$432K to $690K	X
Twin Oaks	DRB Homes	Zephyrhills	$280K to $307K	X
Two Rivers	Lennar, Pulte Homes, Homes by WestBay, Meritage Homes, D.R. Horton, M/I Homes, Taylor Morrison, Park Square Homes, William Ryan Homes, Casa Fresca Homes	Zephyrhills	$340K to $1M	X

Hillsborough County

Community	Builder	City	Price	Flood zone
Barrington Preserve	Homes by WestBay	Brandon	$760K to $1.2M	X
Bloomingdale Townes	Mattamy Homes	Brandon	$350K to $450K	X
The Brooke	DRB Homes	Brandon	$350K to $372K	X
Lake Gallagher Estates	LGI Homes	Dover	$549K to $639K	X
Pearl Estates	Lennar	Lutz	$608K to $778K	X
Flatwoods at Two Rivers	Not listed	New Tampa	Not listed	X
Farm at Varrea	D.R. Horton	Plant City	$275K to $400K	X
Fieldstone	Cardel Homes	Plant City	$430K to $645K	X
Hidden Nest	Sunrise Homes	Plant City	$305K to $460K	X
Holloway Landing	D.R. Horton	Plant City	$329K to $358K	X
North Park Isle	Lennar, D.R. Horton, Pulte Homes	Plant City	$346K to $453K	X
Park East	Lennar, Meritage Homes	Plant City	$310K to $408K	X
Southwind	Cardel Homes, David Weekley Homes	Plant City	$300K	X
Timber Ridge	Taylor Morrison	Plant City	$355K to $660K	X
Morris Bend	Taylor Morrison, Perry Homes	Tampa	$450K	X

Hernando County

Community	Builder	City	Price	Flood zone
Benton Hills	Meritage Homes, Maronda Homes	Brooksville	$265K to $366K	X
Cascades	Inland Homes	Brooksville	$350K to $500K	X
Leyland Preserve	Meritage Homes	Brooksville	$283K to $400K	X
Pinecone Reserve	Starlight Homes, William Ryan Homes	Brooksville	$260K to $455K	X
Southern Hills Plantation	William Ryan Homes, LGI Homes, Perry Homes	Brooksville	$375K to $3M	X
Trilby Crossing	LGI Homes	Brooksville	$278K to $346K	X
Woodland Oaks	KB Home	Brooksville	Not listed	X
Anderson Snow Estates	M/I Homes	Spring Hill	$333K to $500K	X
Avalon West	M/I Homes	Spring Hill	$345K to $586K	X
Del Webb River Reserve	Del Webb	Spring Hill	$297K to $762K	X
Glen Lakes	Richmond American Homes	Spring Hill	$385K to $592K	X
Northridge	D.R. Horton	Spring Hill	$265K to $351K	X
Serengeti	DRB Homes	Spring Hill	$650K to $829K	X
Somerset Bay	D.R. Horton	Spring Hill	$250K to $373K	X
Valleybrook	Pulte Homes	Spring Hill	$296K to $394K	X
Sandal Key I: Metro Coastal Lagoon Oasis	KB Home	Weeki Wachee	$234K to $500K	X

Pinellas County

Community	Builder	City	Price	Flood zone
Odeon Square	DRB Homes	Oldsmar	$500K	X

Polk County

Community	Builder	City	Price	Flood zone
Brookland Park	Taylor Morrison	Auburndale	$305K to $496K	X
Lake Mattie Preserve	Ryan Homes	Auburndale	$244K to $427K	X
The Reserve at Van Oaks	Meritage Homes	Auburndale	$274K to $346K	X

AE communities to double check

These communities are recorded in zone AE, the 1% annual-chance floodplain. Flood insurance is generally required by federally backed lenders, and individual lots can map differently, so confirm the zone for your homesite.

Community	Builder	County	Price	Flood zone
Marisol Pointe at MiraBay	Park Square Homes	Hillsborough	$465K to $1M	AE
Eagles Cove at Mirada	DRB Homes	Pasco	$570K to $790K	AE
Mango Hills	Starlight Homes	Pasco	$315K to $395K	AE
Caldera	Pulte Homes, Homes by WestBay	Hernando	$282K to $900K	AE
Marina Pointe - Westshore Marina District	BTI Partners	Hillsborough	$700K to $6M	AE
Archer at Two Rivers	D.R. Horton	Pasco	$341K to $535K	AE

Check any address with the flood zone lookup, or see Tampa Bay communities with no CDD.

Frequently Asked Questions

Which new construction communities in Tampa Bay are in flood zone X?

What does flood zone X mean?

Zone X is FEMA's label for areas of moderate to minimal flood risk. It sits outside the Special Flood Hazard Area, the zone with a 1% or greater chance of flooding in any year.

Do I need flood insurance in flood zone X?

Usually not by lender rule. Federally backed lenders generally require flood insurance only in high-risk zones such as AE, but coverage is still available in zone X and is often inexpensive, and flooding can happen outside high-risk zones.

Is every lot in a zone X community in zone X?

Not always. FEMA maps flood zones by area, not by community name, so a pond-side or low-lying lot can map differently. Check the exact address with the flood zone lookup and ask the builder for an elevation certificate.

Why are some communities listed as AE to double check?

Zone AE is inside the 1% annual-chance floodplain, and federally backed lenders require flood insurance there. Our records list 6 Tampa Bay communities as AE, so confirm the zone for your lot before you sign.

How current is this flood zone list?

It is built live from Vicinity's community records and was last verified on November 6, 2026. FEMA revises flood maps over time, so always confirm the current zone for a specific address.

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