Does Chapel Hill flood?
Chapel Hill, Boynton Beach, FL · ZIP codes 33426, 33435 and 33483: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Chapel Hill have filed flood claims. About 15% of Chapel Hill’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 122 claims from the Census block groups that cover Chapel Hill, from 1979 through 2022. 64 of them received a payment, totaling $631,728 (not adjusted for inflation). The busiest years were 1999 (20 claims), 1998 (17 claims), 1979 (16 claims).
What this page counts as Chapel Hill
We could not find an openly licensed official boundary for Chapel Hill, so this page uses a census-based area. For this page, Chapel Hill 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 Chapel Hill (feature 280302) and inside the Boynton Beach 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 Chapel Hill. 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 Chapel Hill
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 Chapel Hill
The named streets in Chapel Hill, longest first, with how much of each street’s length inside Chapel Hill lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Chapel Hill; 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. 80 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| State Hwy 9 | 2.2 mi | 0.0% | X (unshaded, minimal) (100%) |
| S Seacrest Blvd | 1.6 mi | 0.0% | X (unshaded, minimal) (100%) |
| State Hwy 5 | 1.2 mi | 67% | AE (67%) |
| SW 23rd Ave | 1.2 mi | 0.0% | X (unshaded, minimal) (96%) |
| SW 28th Ave | 5,160 ft | 6.2% | X (shaded, 0.2% annual chance) (50%) |
| SW 27th Ave | 4,940 ft | 12% | X (shaded, 0.2% annual chance) (55%) |
| SE 2nd St | 4,820 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 25th Ave | 4,690 ft | 0.0% | X (unshaded, minimal) (56%) |
| SW 26th Ave | 4,470 ft | 19% | X (shaded, 0.2% annual chance) (45%) |
| SE 1st St | 4,300 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 24th Ave | 3,870 ft | 0.0% | X (unshaded, minimal) (100%) |
| Villa Cir | 3,670 ft | 0.0% | X (shaded, 0.2% annual chance) (98%) |
| N Old Dixie Hwy | 3,480 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 27th Pl | 3,310 ft | 0.0% | X (shaded, 0.2% annual chance) (65%) |
| High Point Blvd N | 2,860 ft | 0.0% | X (unshaded, minimal) (100%) |
| SE 5th Cir | 2,830 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Chapel Hill Blvd | 2,730 ft | 0.0% | X (unshaded, minimal) (91%) |
| SW 25th Pl | 2,710 ft | 0.0% | X (unshaded, minimal) (52%) |
| SW 3rd St | 2,700 ft | 0.0% | X (unshaded, minimal) (100%) |
| South Blvd | 2,670 ft | 0.0% | X (unshaded, minimal) (100%) |
| High Point Blvd | 2,660 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 5th St | 2,630 ft | 0.0% | X (unshaded, minimal) (100%) |
| Ridge Pointe Dr | 2,600 ft | 0.0% | X (unshaded, minimal) (100%) |
| SE 28th Ave | 2,580 ft | 0.0% | X (unshaded, minimal) (78%) |
| SW 11th St | 2,560 ft | 0.0% | X (unshaded, minimal) (63%) |
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 29, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Chapel Hill
Share of Chapel Hill’s mapped area (about 5.29 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 8 to 11 feet. Effective date of the FIRM panel(s) covering it (12099C0789G, 12099C0793G, 12099C0977G, 12099C0981G): December 20, 2024.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 75% |
| AE | 15% |
| X (shaded, 0.2% annual chance) | 10% |
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 Chapel Hill. 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 | 16 | $18,519 |
| 1980s | 20 | $21,013 |
| 1990s | 41 | $221,624 |
| 2000s | 28 | $78,192 |
| 2010s | 15 | $32,039 |
| 2020s | 2 | $260,340 |
By year of loss
Named flood events with the most claims
- Flooding: 20 claims
- Hurricane Irene: 16 claims
- Hurricane Wilma: 10 claims
- Hurricane Frances: 8 claims
- Tropical Storm Mitch: 5 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 69
- X/B/C (moderate or minimal): 43
- Not reported: 10
How much is flood insurance in Chapel Hill?
The typical National Flood Insurance Program policy on single-family homes in Chapel Hill costs $616 a year: the median of 122 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $583 and $683. 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 29, 2026.
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Before you rent or buy in Chapel Hill
- 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 Chapel Hill
Flood maps are only one part of choosing a neighborhood. To compare Chapel Hill with other Boynton Beach neighborhoods on more than flooding, see Boynton Beach on StrollPlace.
Buyer and renter FAQ
Does Chapel Hill flood?
Yes. Insured properties in and around Chapel Hill have filed flood claims. About 15% of Chapel Hill’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 122 claims from the Census block groups that cover Chapel Hill, from 1979 through 2022. 64 of them received a payment, totaling $631,728 (not adjusted for inflation). The busiest years were 1999 (20 claims), 1998 (17 claims), 1979 (16 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Chapel Hill in a flood zone?
About 15% of Chapel Hill’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) 75%; AE 15%; X (shaded, 0.2% annual chance) 10%. The FIRM panel(s) covering it took effect December 20, 2024.
Which streets in Chapel Hill are in a high-risk flood zone?
Most of the length of State Hwy 5 lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of State Hwy 9, S Seacrest Blvd, SW 23rd Ave, SW 28th Ave, SE 2nd St, SW 25th Ave, SE 1st St and SW 24th Ave does. Zones can change along a street, so check the exact address.
What ZIP code is Chapel Hill in?
Chapel Hill is in Boynton Beach, FL. ZIP codes 33426, 33435 and 33483: the ZIP codes on most of the 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.
How much is flood insurance in Chapel Hill?
The typical NFIP flood insurance policy on single-family homes in Chapel Hill cost $616 a year: the median of 122 policies that started between August 1, 2025 and July 31, 2026. Half cost between $583 and $683. 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
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 29, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Palm Beach County (county code 12099), dataset as of September 8, 2026, retrieved October 29, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 120990060052, 120990063001, 120990063004, 120990062032, 120990063002, 120990063003. 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. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 29, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 29, 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.
- 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 29, 2026 (flood zones). Page last updated October 29, 2026.