Does Hutchinson Island South flood?

Hutchinson Island South, Port St. Lucie, FL · ZIP code 34957: the ZIP code on 1,147 of the 1,161 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.

Yes. Insured properties in and around Hutchinson Island South have filed flood claims. About 13% of Hutchinson Island South’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 1,161 claims from the Census block groups that cover Hutchinson Island South, from 1979 through 2024. 931 of them received a payment, totaling $27,173,626 (not adjusted for inflation). The busiest years were 2004 (959 claims), 2005 (89 claims), 2016 (22 claims).

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 Hutchinson Island South

Neighborhood figures are averages. Our address check looks up the FEMA flood zone at one address, from the same public maps: check if your address is in a flood zone.

Flood zones street by street in Hutchinson Island South

The named streets in Hutchinson Island South, longest first, with how much of each street’s length inside Hutchinson Island South lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Hutchinson Island South; 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. 29 shorter streets are not listed.

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 November 2, 2026. Each street is clipped to the neighborhood boundary and measured in an equal-area projection. Street lengths are rounded.

Flood zones in Hutchinson Island South

Share of Hutchinson Island South’s mapped area (about 124.562 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 4 to 10 feet. Effective date of the FIRM panel(s) covering it (12085C0020G, 12085C0038H, 12085C0039H, 12085C0043F, 12111C0193K, 12111C0194K, 12111C0281K, 12111C0282K, 12111C0284K, 12111C0292K, 12111C0301K, 12111C0302J, 12111C0303K, 12111C0304J, 12111C0310J, 12111C0311K, 12111C0312K, 12111C0313K, 12111C0314K, 12111C0320J): February 16, 2012, March 16, 2015, February 19, 2020.

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 Hutchinson Island South. About 55% of the combined area of those block groups lies inside Hutchinson Island South, so the claim figures also reflect some nearby blocks. Several of these block groups extend over open water, which the Census includes in block-group boundaries; counting land only (Census land and water areas), about 100% lies inside Hutchinson Island South. Only insured properties appear, so these counts understate total flooding.

By decade

By year of loss

Named flood events with the most claims

• Hurricane Jeanne: 720 claims
• Hurricane Frances: 204 claims
• Hurricane Wilma: 77 claims
• Hurricane Ivan: 25 claims
• Hurricane Matthew: 22 claims

FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:

• A/AE/AH/AO (high risk): 1,118
• X/B/C (moderate or minimal): 34
• V/VE (coastal high hazard): 6
• Not reported: 3

How much is flood insurance in Hutchinson Island South?

The typical National Flood Insurance Program policy on single-family homes in Hutchinson Island South costs $1,268 a year: the median of 457 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $1,140 and $1,822. 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 November 2, 2026.

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Before you rent or buy in Hutchinson Island South

• 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 Hutchinson Island South

Flood maps are only one part of choosing a neighborhood. To compare Hutchinson Island South with other Port St. Lucie neighborhoods on more than flooding, see Port St. Lucie on StrollPlace.

Buyer and renter FAQ

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 Indian River Estates flood?
• Does Port St. Lucie flood?
• Does Fort Pierce flood?
• White City
• River Park
• Does Fort Pierce North flood?

How these numbers were made

Neighborhood boundary: U.S. Census Bureau, incorporated places and Census Designated Places (TIGERweb). Flood zone shares: the neighborhood polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved November 2, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for St. Lucie County (county code 12111), dataset as of September 8, 2026, retrieved November 2, 2026. A 2010 Census block group is counted for a neighborhood when at least 25% of the block group lies inside the neighborhood, or at least 25% of the neighborhood lies inside the block group. Block groups used: 121119900000 (44.1% of the block group is inside Hutchinson Island South), 121113817021 (100.0% of the block group is inside Hutchinson Island South), 121113817011 (100.0% of the block group is inside Hutchinson Island South), 121113817012 (100.0% of the block group is inside Hutchinson Island South), 121113817022 (100.0% of the block group is inside Hutchinson Island South), 121113817023 (100.0% of the block group is inside Hutchinson Island South). 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

1. Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on November 2, 2026.
2. FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on November 2, 2026.
3. U.S. Census Bureau, incorporated places and Census Designated Places (TIGERweb).
4. U.S. Census Bureau TIGERweb, 2010 Census Block Groups.
5. FEMA Glossary: Flood Zones.
6. FloodSmart (NFIP): Buy a Flood Insurance Policy.
7. FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
8. 44 CFR 61.11, Effective date and time of coverage.
9. OpenFEMA Terms and Conditions.
10. FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
11. OpenFEMA NFIP Redacted Policies v3.
12. OpenFEMA NFIP Redacted Claims v3.
13. USDA Forest Service, Wildfire Risk to Communities, community summaries.
14. Wildfire Risk to Communities methods.
15. Citizens Property Insurance Corporation, Policies in Force.
16. U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).

Data as of September 8, 2026 (FEMA claims) and November 2, 2026 (flood zones). Page last updated November 2, 2026.