Palm Bay, FL Home InsuranceHome insurance in Palm Bay, FL
Parts of Palm Bay are in mapped flood zones, and flooding isn't covered by a standard policy. Here's what to check.
Flood risk in Palm Bay
Flooding is not covered by a standard homeowners policy anywhere in the country — it is a separate policy. Whether you are required to carry it depends on the zone your address falls in.
FEMA's current mapping for the Palm Bay area shows Zone AE, Zone A alongside Zone X, which is the lower-risk designation.
Palm Bay is in FEMA's Community Rating System at Class 7, which earns residents 15% off flood insurance in the high-risk zones. Most homeowners have never heard of this and it applies automatically.
Source: FEMA National Flood Hazard Layer; NFIP community 120404.
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