Does Prospect Park flood?
Prospect Park, West Palm Beach, FL · ZIP code 33405: the ZIP code on 47 of the 48 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Prospect Park have filed flood claims. About 43% of Prospect Park’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 48 claims from the Census block groups that cover Prospect Park, from 1979 through 2026. 20 of them received a payment, totaling $182,403 (not adjusted for inflation). The busiest years were 2004 (9 claims), 1979 (5 claims), 1999 (5 claims).
What this page counts as Prospect Park
We could not find an openly licensed official boundary for Prospect Park, so this page uses a census-based area. For this page, Prospect Park means the 2010 Census block groups whose center lies inside the National Register of Historic Places boundary of the Prospect Park--Southland Park Historic District (National Park Service) and inside the West Palm Beach city limits (U.S. Census Bureau). 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 Prospect Park. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) 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 Prospect Park
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 Prospect Park
The named streets in Prospect Park, longest first, with how much of each street’s length inside Prospect Park lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Prospect Park; 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. 15 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| S Olive Ave | 1.0 mi | 0.0% | X (unshaded, minimal) (69%) |
| State Hwy 805 | 5,270 ft | 0.0% | X (unshaded, minimal) (100%) |
| Washington Rd | 4,170 ft | 100% | AE (100%) |
| S Flagler Dr | 3,740 ft | 100% | AE (100%) |
| Southern Blvd | 3,180 ft | 26% | X (unshaded, minimal) (58%) |
| Monroe Dr | 2,730 ft | 34% | X (unshaded, minimal) (51%) |
| Conniston Rd | 2,540 ft | 5.4% | X (unshaded, minimal) (76%) |
| Greenwood Dr | 2,070 ft | 42% | AE (42%) |
| Monceaux Rd | 1,970 ft | 26% | X (unshaded, minimal) (64%) |
| Greymon Dr | 1,720 ft | 37% | AE (37%) |
| Edgewood Dr | 1,690 ft | 39% | AE (39%) |
| Walton Blvd | 1,520 ft | 6.0% | X (unshaded, minimal) (61%) |
| Vincent Rd | 1,470 ft | 100% | AE (100%) |
| Westminster Rd | 1,470 ft | 31% | X (unshaded, minimal) (53%) |
| Dyer Rd | 1,440 ft | 27% | X (unshaded, minimal) (58%) |
| Almeria Rd | 1,420 ft | 29% | X (unshaded, minimal) (58%) |
| Marlborough Rd | 1,400 ft | 29% | X (shaded, 0.2% annual chance) (38%) |
| Avila Rd | 1,390 ft | 25% | X (unshaded, minimal) (51%) |
| Belvedere Rd | 1,050 ft | 0.0% | X (unshaded, minimal) (100%) |
| Antique Row | 980 ft | 0.0% | X (unshaded, minimal) (100%) |
| Roseland Dr | 930 ft | 0.0% | X (unshaded, minimal) (100%) |
| Wenonah Pl | 920 ft | 45% | AE (45%) |
| Belmonte Rd | 870 ft | 44% | AE (44%) |
| Marlborough Pl | 840 ft | 0.0% | X (unshaded, minimal) (80%) |
| Lakeland Dr | 800 ft | 26% | X (shaded, 0.2% annual chance) (73%) |
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 Prospect Park
Share of Prospect Park’s mapped area (about 1.636 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 (12099C0583G, 12099C0591G): December 20, 2024.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 44% |
| VE | 24% |
| AE | 18% |
| X (shaded, 0.2% annual chance) | 14% |
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 Prospect Park. 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 | $396 |
| 1980s | 3 | $1,724 |
| 1990s | 9 | $32,850 |
| 2000s | 20 | $127,477 |
| 2010s | 7 | $0 |
| 2020s | 4 | $19,955 |
By year of loss
Named flood events with the most claims
- Hurricane Frances: 7 claims
- Hurricane Irene: 5 claims
- Hurricane Irma: 4 claims
- Hurricane Wilma: 2 claims
- Hurricane Jeanne: 2 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 30
- X/B/C (moderate or minimal): 16
- Not reported: 2
How much is flood insurance in Prospect Park?
The typical National Flood Insurance Program policy on single-family homes in Prospect Park costs $1,158 a year: the median of 209 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $958 and $1,432. 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 Prospect Park
- 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 Prospect Park
Flood maps are only one part of choosing a neighborhood. To compare Prospect Park with other West Palm Beach neighborhoods on more than flooding, see West Palm Beach on StrollPlace.
Buyer and renter FAQ
Does Prospect Park flood?
Yes. Insured properties in and around Prospect Park have filed flood claims. About 43% of Prospect Park’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 48 claims from the Census block groups that cover Prospect Park, from 1979 through 2026. 20 of them received a payment, totaling $182,403 (not adjusted for inflation). The busiest years were 2004 (9 claims), 1979 (5 claims), 1999 (5 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Prospect Park in a flood zone?
About 43% of Prospect Park’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) 44%; VE 24%; AE 18%; X (shaded, 0.2% annual chance) 14%. The FIRM panel(s) covering it took effect December 20, 2024.
Which streets in Prospect Park are in a high-risk flood zone?
Most of the length of Washington Rd, S Flagler Dr and Vincent Rd lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of S Olive Ave, State Hwy 805, Conniston Rd, Walton Blvd, Belvedere Rd, Antique Row, Roseland Dr and Marlborough Pl does. Zones can change along a street, so check the exact address.
What ZIP code is Prospect Park in?
Prospect Park is in West Palm Beach, FL. ZIP code 33405: the ZIP code on 47 of the 48 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 Prospect Park?
The typical NFIP flood insurance policy on single-family homes in Prospect Park cost $1,158 a year: the median of 209 policies that started between August 1, 2025 and July 31, 2026. Half cost between $958 and $1,432. 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
- Grandview Heights
- Does Palm Beach Lakes flood?
- Northwest
- Old Northwood
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) 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: 120990034002, 120990034003. 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, National Park Service, National Register of Historic Places boundaries (NRHP polygons) 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.