Does Boca Harbour flood?
Boca Harbour, Boca Raton, FL · ZIP code 33487: the ZIP code on 47 of the 47 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Boca Harbour have filed flood claims. About 35% of Boca Harbour’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 47 claims from the Census block groups that cover Boca Harbour, from 1979 through 2017. 12 of them received a payment, totaling $92,703 (not adjusted for inflation). The busiest years were 1994 (16 claims), 2005 (11 claims), 1979 (5 claims).
What this page counts as Boca Harbour
We could not find an openly licensed official boundary for Boca Harbour, so this page uses a census-based area. For this page, Boca Harbour means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Boca Harbour (feature 279122) and inside the Boca Raton city limits (U.S. Census Bureau), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Boca Harbour. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Boca Harbour
Neighborhood figures are averages. Our address check looks up the FEMA flood zone and the hurricane evacuation zone at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Boca Harbour
The named streets in Boca Harbour, longest first, with how much of each street’s length inside Boca Harbour lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Boca Harbour; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that. 13 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| N Federal Hwy | 1.4 mi | 1.0% | X (unshaded, minimal) (99%) |
| Appleby St | 2,380 ft | 77% | AE (77%) |
| NE 70th St | 2,220 ft | 76% | AE (76%) |
| NE 76th St | 2,110 ft | 64% | AE (64%) |
| NE 8th Ct | 2,010 ft | 100% | AE (100%) |
| NW 69th Cir | 1,820 ft | 0.0% | X (unshaded, minimal) (100%) |
| E Country Club Blvd | 1,400 ft | 30% | X (unshaded, minimal) (62%) |
| NE 71st St | 1,390 ft | 92% | AE (92%) |
| NE 72nd St | 1,380 ft | 92% | AE (92%) |
| NE 8th Dr | 1,360 ft | 100% | AE (100%) |
| NE 74th St | 1,290 ft | 54% | AE (54%) |
| NE 69th St | 1,240 ft | 97% | AE (97%) |
| Lariat Cir | 1,220 ft | 0.5% | X (unshaded, minimal) (93%) |
| W Hidden Valley Blvd | 1,180 ft | 0.0% | X (unshaded, minimal) (100%) |
| Bailey St | 1,140 ft | 26% | X (unshaded, minimal) (49%) |
| NW Turtle Walk | 1,100 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 75th St | 1,030 ft | 93% | AE (93%) |
| NW 70th St | 1,020 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 78th St | 990 ft | 100% | AE (100%) |
| 72nd Diagonal N | 960 ft | 16% | X (unshaded, minimal) (82%) |
| NE 8th Way | 940 ft | 100% | AE (100%) |
| Eddy St | 930 ft | 0.0% | X (unshaded, minimal) (52%) |
| Lilac Dr | 890 ft | 100% | AE (100%) |
| NE 79th St | 890 ft | 100% | AE (100%) |
| NE 73rd St | 830 ft | 100% | AE (100%) |
Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved October 30, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Boca Harbour
Share of Boca Harbour’s mapped area (about 1.825 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 7 to 9 feet. Effective date of the FIRM panel(s) covering it (12099C0987G, 12099C0989G): December 20, 2024.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 52% |
| AE | 35% |
| X (shaded, 0.2% annual chance) | 13% |
What the zones mean
- Zone AE (and A, AH, AO)
- High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
- Zone VE (and V)
- High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
- Zone X (shaded)
- Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
- Zone X (unshaded)
- Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.
Source: FEMA Glossary: Flood Zones.
Flood insurance claims over time
Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Boca Harbour. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 5 | $3,110 |
| 1980s | 2 | $385 |
| 1990s | 22 | $81,712 |
| 2000s | 12 | $7,497 |
| 2010s | 6 | $0 |
By year of loss
Named flood events with the most claims
- Hurricane Wilma: 8 claims
- Flooding: 5 claims
- Hurricane Irene: 5 claims
- Hurricane Irma: 4 claims
- Hurricane Jeanne: 1 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 40
- X/B/C (moderate or minimal): 6
- Not reported: 1
How much is flood insurance in Boca Harbour?
The typical National Flood Insurance Program policy on single-family homes in Boca Harbour costs $1,716 a year: the median of 252 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,266 and $2,229. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed October 30, 2026.
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Hurricane evacuation zone
About 63% of Boca Harbour is in Zone C of Palm Beach County’s storm surge evacuation zones (Palm Beach County Division of Emergency Management, Evacuation Zones).
| Zone | What the county says it means | Share of Boca Harbour |
|---|---|---|
| Zone B | see the county’s zone description | 1.1% |
| Zone C | see the county’s zone description | 63% |
| Not in any zone | outside the county’s storm surge evacuation zones | 36% |
Zones can split a street. Confirm the exact address with the county (Palm Beach County: Know Your Zone) and follow official evacuation orders. Palm Beach County provides this data “as is”, without warranty or any representation of accuracy, timeliness or completeness.
Before you rent or buy in Boca Harbour
- Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
- Ask the landlord or seller about past flooding and flood insurance claims at the property.
- Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
- Ask which floor the unit is on and where parking, storage and mechanical equipment sit.
Living in Boca Harbour
Flood maps are only one part of choosing a neighborhood. To compare Boca Harbour with other Boca Raton neighborhoods on more than flooding, see Boca Raton on StrollPlace.
Buyer and renter FAQ
Does Boca Harbour flood?
Yes. Insured properties in and around Boca Harbour have filed flood claims. About 35% of Boca Harbour’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 47 claims from the Census block groups that cover Boca Harbour, from 1979 through 2017. 12 of them received a payment, totaling $92,703 (not adjusted for inflation). The busiest years were 1994 (16 claims), 2005 (11 claims), 1979 (5 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Boca Harbour in a flood zone?
About 35% of Boca Harbour’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. Shares by zone: X (unshaded, minimal) 52%; AE 35%; X (shaded, 0.2% annual chance) 13%. The FIRM panel(s) covering it took effect December 20, 2024.
Which streets in Boca Harbour are in a high-risk flood zone?
Most of the length of Appleby St, NE 70th St, NE 76th St, NE 8th Ct, NE 71st St, NE 72nd St, NE 8th Dr, NE 74th St, NE 69th St, NE 75th St, NE 78th St and NE 8th Way lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of N Federal Hwy, NW 69th Cir, Lariat Cir, W Hidden Valley Blvd, NW Turtle Walk, NW 70th St and Eddy St does. Zones can change along a street, so check the exact address.
What ZIP code is Boca Harbour in?
Boca Harbour is in Boca Raton, FL. ZIP code 33487: the ZIP code on 47 of the 47 flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.
Do renters need flood insurance?
Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.
How long does a new flood policy take to start?
A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.
How much coverage can NFIP provide?
For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.
Is Boca Harbour in a hurricane evacuation zone?
About 63% of Boca Harbour is in Zone C of Palm Beach County’s storm surge evacuation zones. Check the exact address with the county and follow official orders.
How much is flood insurance in Boca Harbour?
The typical NFIP flood insurance policy on single-family homes in Boca Harbour cost $1,716 a year: the median of 252 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,266 and $2,229. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.
Nearby neighborhoods
- Does Yamato flood?
- Bel Marra
- Does Caribbean Key flood?
- Does Lake Rogers Isle flood?
- Does Harbor East flood?
- Blue Inlet
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved October 30, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Palm Beach County (county code 12099), dataset as of September 8, 2026, retrieved October 30, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 120990073012, 120990072014. Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. Evacuation zones: the polygon intersected with Palm Beach County’s zone polygons in an equal-area projection; shares below 0.1% are left out. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 30, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 30, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- FEMA Glossary: Flood Zones.
- FloodSmart (NFIP): Buy a Flood Insurance Policy.
- FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
- 44 CFR 61.11, Effective date and time of coverage.
- OpenFEMA Terms and Conditions.
- Palm Beach County Division of Emergency Management, Evacuation Zones (retrieved October 30, 2026).
- Palm Beach County: Know Your Zone.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
Data as of September 8, 2026 (FEMA claims) and October 30, 2026 (flood zones); hazard data computed October 30, 2026. Page last updated October 30, 2026.