Does Indian River Estates flood?
Indian River Estates, Port St. Lucie, FL · ZIP codes 34982 and 34952: 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 Indian River Estates have filed flood claims. About 25% of Indian River Estates’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 114 claims from the Census block groups that cover Indian River Estates, from 1979 through 2020. 27 of them received a payment, totaling $127,764 (not adjusted for inflation). The busiest years were 2004 (50 claims), 2008 (19 claims), 2005 (13 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 Indian River Estates
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 Indian River Estates
The named streets in Indian River Estates, longest first, with how much of each street’s length inside Indian River Estates lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Indian River Estates; 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. 33 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| S Indian River Dr | 5.1 mi | 0.0% | X (unshaded, minimal) (100%) |
| Sunset Blvd | 2.0 mi | 0.8% | X (unshaded, minimal) (99%) |
| Seagrape Dr | 1.8 mi | 0.0% | X (unshaded, minimal) (100%) |
| Silver Oak Dr | 1.8 mi | 0.0% | X (unshaded, minimal) (100%) |
| Myrtle Dr | 1.7 mi | 0.0% | X (unshaded, minimal) (100%) |
| Palmetto Dr | 1.7 mi | 0.0% | X (unshaded, minimal) (100%) |
| Hickory Dr | 1.6 mi | 0.0% | X (unshaded, minimal) (100%) |
| Palm Dr | 1.6 mi | 0.0% | X (unshaded, minimal) (100%) |
| Pinetree Dr | 1.6 mi | 0.0% | X (unshaded, minimal) (100%) |
| Buchanan Dr | 1.5 mi | 0.0% | X (unshaded, minimal) (100%) |
| Birch Dr | 1.4 mi | 0.0% | X (unshaded, minimal) (100%) |
| US Hwy 1 | 1.4 mi | 0.0% | X (unshaded, minimal) (100%) |
| E Easy St | 1.3 mi | 0.0% | X (unshaded, minimal) (100%) |
| Bartow St | 1.3 mi | 0.0% | X (unshaded, minimal) (100%) |
| E Midway Rd | 1.2 mi | 0.0% | X (unshaded, minimal) (100%) |
| Savannah St | 1.0 mi | 0.0% | X (unshaded, minimal) (100%) |
| Cassia Dr | 1.0 mi | 0.0% | X (unshaded, minimal) (100%) |
| Raintree Trl | 4,930 ft | 0.9% | X (unshaded, minimal) (99%) |
| Howard St | 4,900 ft | 9.7% | X (unshaded, minimal) (90%) |
| Bradley St | 4,500 ft | 1.5% | X (unshaded, minimal) (98%) |
| Spruce Dr | 4,480 ft | 0.0% | X (unshaded, minimal) (100%) |
| Tropical Isles Cir | 4,210 ft | 0.0% | X (unshaded, minimal) (100%) |
| Travelers Way | 3,940 ft | 0.0% | X (unshaded, minimal) (100%) |
| Tangelo Dr | 3,880 ft | 0.0% | X (unshaded, minimal) (100%) |
| Papaya Dr | 3,620 ft | 0.0% | X (unshaded, minimal) (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 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 Indian River Estates
Share of Indian River Estates’s mapped area (about 15.356 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 5 to 16 feet. Effective date of the FIRM panel(s) covering it (12111C0189K, 12111C0193K, 12111C0277K, 12111C0281K, 12111C0282K, 12111C0283J, 12111C0284K): February 16, 2012, February 19, 2020.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 75% |
| AH | 23% |
| A | 1.2% |
| AE | 0.3% |
| VE | 0.0% |
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 Indian River Estates. About 46% of the combined area of those block groups lies inside Indian River Estates, 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 66% lies inside Indian River Estates. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 1 | $0 |
| 1980s | 6 | $5,136 |
| 1990s | 14 | $3,374 |
| 2000s | 83 | $113,754 |
| 2010s | 9 | $5,499 |
| 2020s | 1 | $0 |
By year of loss
Named flood events with the most claims
- Hurricane Frances: 31 claims
- Hurricane Jeanne: 18 claims
- Tropical Storm Fay: 17 claims
- Hurricane Wilma: 10 claims
- Hurricane Isaac: 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): 92
- X/B/C (moderate or minimal): 21
- Not reported: 1
How much is flood insurance in Indian River Estates?
The typical National Flood Insurance Program policy on single-family homes in Indian River Estates costs $805 a year: the median of 41 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $646 and $856. 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.
Why home insurance costs what it does in Indian River Estates
This section is educational and is not insurance advice.
Flood insurance
ZIP codes do not follow neighborhood lines. These are the ZIP codes on at least 5% of the flood claims counted for Indian River Estates, within 10 km of it.
- ZIP code 34982: the median National Flood Insurance Program policy cost for single-family homes was $798 a year, the middle of 421 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $692 and $967. These policies are priced under Risk Rating 2.0.
- ZIP code 34982: NFIP records list 370 flood claims with a loss year from 1978 through 2024. The claims dataset is as of September 8, 2026.
- ZIP code 34952: the median National Flood Insurance Program policy cost for single-family homes was $812 a year, the middle of 798 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $697 and $1,062. These policies are priced under Risk Rating 2.0.
- ZIP code 34952: NFIP records list 227 flood claims with a loss year from 1984 through 2026. The claims dataset is as of September 8, 2026.
Fire and wind
- USDA Forest Service Wildfire Risk to Communities gives Port St. Lucie, FL a Risk to Homes national percentile rank of 0.853, which its methods call High (above the 70th percentile and below the 90th). That is the city rating, not a rating of Indian River Estates alone. The summary file is dated April 15, 2026.
The insurance market in Florida
- Citizens Property Insurance Corporation: 09.30.26 254,836 Policies in Force
What to ask your agent
- Ask the agent how old the roof is.
- Ask whether a wind-mitigation discount is available for this house.
- Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy.
- Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated.
- Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.
Flood coverage and the 30-day wait: FEMA fact sheet, Jan. 21, 2025; 44 CFR 61.11.
What do NFIP records show for flood insurance in Indian River Estates?
ZIP code 34982: the median National Flood Insurance Program policy cost for single-family homes was $798 a year, the middle of 421 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $692 and $967. These policies are priced under Risk Rating 2.0. ZIP code 34982: NFIP records list 370 flood claims with a loss year from 1978 through 2024. The claims dataset is as of September 8, 2026. ZIP code 34952: the median National Flood Insurance Program policy cost for single-family homes was $812 a year, the middle of 798 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $697 and $1,062. These policies are priced under Risk Rating 2.0. ZIP code 34952: NFIP records list 227 flood claims with a loss year from 1984 through 2026. The claims dataset is as of September 8, 2026.
How big is the last-resort insurance plan in Florida?
Citizens Property Insurance Corporation: 09.30.26 254,836 Policies in Force
What should I ask an insurance agent about a home in Indian River Estates?
Ask the agent how old the roof is. Ask whether a wind-mitigation discount is available for this house. Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy. Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated. Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.
Sources: OpenFEMA NFIP Redacted Policies v3; OpenFEMA NFIP Redacted Claims v3; USDA Forest Service, Wildfire Risk to Communities, community summaries; Wildfire Risk to Communities methods; Citizens Property Insurance Corporation, Policies in Force.
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Before you rent or buy in Indian River Estates
- 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 Indian River Estates
Flood maps are only one part of choosing a neighborhood. To compare Indian River Estates with other Port St. Lucie neighborhoods on more than flooding, see Port St. Lucie on StrollPlace.
Buyer and renter FAQ
Does Indian River Estates flood?
Yes. Insured properties in and around Indian River Estates have filed flood claims. About 25% of Indian River Estates’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 114 claims from the Census block groups that cover Indian River Estates, from 1979 through 2020. 27 of them received a payment, totaling $127,764 (not adjusted for inflation). The busiest years were 2004 (50 claims), 2008 (19 claims), 2005 (13 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Indian River Estates in a flood zone?
About 25% of Indian River Estates’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%; AH 23%; A 1.2%; AE 0.3%; VE 0.0%. The FIRM panel(s) covering it took effect February 16, 2012, February 19, 2020.
Which streets in Indian River Estates are in a high-risk flood zone?
No street listed here has most of its length in FEMA high-risk zones. Less than 10% of S Indian River Dr, Sunset Blvd, Seagrape Dr, Silver Oak Dr, Myrtle Dr, Palmetto Dr, Hickory Dr and Palm Dr does. Zones can change along a street, so check the exact address.
What ZIP code is Indian River Estates in?
Indian River Estates is in Port St. Lucie, FL. ZIP codes 34982 and 34952: 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 Indian River Estates?
The typical NFIP flood insurance policy on single-family homes in Indian River Estates cost $805 a year: the median of 41 policies that started between September 1, 2025 and August 31, 2026. Half cost between $646 and $856. 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 Fort Pierce flood?
- Does Port St. Lucie flood?
- White City
- Does Hutchinson Island South flood?
- 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: 121113816012 (100.0% of the block group is inside Indian River Estates), 121113816014 (100.0% of the block group is inside Indian River Estates), 121113816013 (100.0% of the block group is inside Indian River Estates), 121113816031 (28.3% of the block group is inside Indian River Estates), 121113816011 (89.3% of the block group is inside Indian River Estates). 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 November 2, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on November 2, 2026.
- U.S. Census Bureau, incorporated places and Census Designated Places (TIGERweb).
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups.
- 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.
- OpenFEMA NFIP Redacted Policies v3.
- OpenFEMA NFIP Redacted Claims v3.
- USDA Forest Service, Wildfire Risk to Communities, community summaries.
- Wildfire Risk to Communities methods.
- Citizens Property Insurance Corporation, Policies in Force.
- 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.