FEMA flood zones · Florida

Fruitland Park, Florida Flood Zone Map

8,325 residents·in Lake County·470 flood claims county-wide

Flood alerts for Fruitland Park and Lake County right now

From the National Weather Service, checked 1 minute ago. Every active flood alert in the U.S. →

Flood WarningIssued November 7 at 10:46AM EST by NWS Melbourne FL

What: Moderate flooding is occurring and moderate flooding is forecast.

Where: St Johns River near Astor.

Areas: Lake, FL; Volusia, FL

Full National Weather Service text

...The Flood Warning continues for the following rivers in Florida...

St Johns River Near Astor affecting Lake and Volusia Counties.

.Heavy rainfall that has occurred upstream will maintain river levels within Moderate flood stage through early next week as a large volume of rainwater works north through the basin.

For the St. Johns River...including Astor...Moderate flooding is forecast.

WHAT. Moderate flooding is occurring and moderate flooding is forecast.

WHERE. St Johns River near Astor.

WHEN. Until further notice.

IMPACTS. At 3.0 feet, Water approaches or may enter lowest homes on or near Wildhog Road and nearby canals. Flooding reaches the parking lot of the Juno Trail Apartments. Flooding on portions of Alligator Road and Holiday Road. Lowest lying yards along Blue Creek are flooded. Roads at Astor Landing Campground and Lake Dexter Boat Ramp begin to flood. Water enters lower homes closest to the river on McPherson Lane.

ADDITIONAL DETAILS. - At 9:30 AM EST Saturday the stage was 3.0 feet. - Bankfull stage is 2.0 feet. - Recent Activity...The maximum river stage in the 24 hours ending at 9:30 AM EST Saturday was 3.1 feet. - Forecast...The river is expected to remain steady above flood stage at 3.2 feet. - Flood stage is 2.3 feet. - http://www.weather.gov/safety/flood

What to do.

Motorists should not attempt to drive around barricades or drive cars through flooded areas.

Caution is urged when walking near riverbanks.

Additional information is available at www.weather.gov.

The next statement will be issued Sunday morning at 1145 AM EST.

Flood WarningIssued November 7 at 10:50AM EST by NWS Melbourne FL

What: Minor flooding is forecast.

Where: St Johns River near Deland.

Areas: Lake, FL; Volusia, FL

Full National Weather Service text

...The Flood Warning continues for the following rivers in Florida...

St Johns River Near Deland affecting Lake and Volusia Counties.

.Heavy rainfall has caused the St. Johns River near Deland remain near Minor flood stage. The river is forecast to slowly climb through Minor flood stage this weekend and into next week.

For the St. Johns River...including Deland...Minor flooding is forecast.

WHAT. Minor flooding is forecast.

WHERE. St Johns River near Deland.

WHEN. Until further notice.

IMPACTS. At 4.5 feet, Water moves into yards and approaches buildings around Hontoon Island.

ADDITIONAL DETAILS. - At 9:30 AM EST Saturday the stage was 3.9 feet. - Bankfull stage is 3.5 feet. - Forecast...The river is expected to rise above flood stage just after midnight tonight and continue rising to 4.4 feet early Thursday morning. Additional rises are possible thereafter. - Flood stage is 4.0 feet. - http://www.weather.gov/safety/flood

What to do.

Motorists should not attempt to drive around barricades or drive cars through flooded areas.

Caution is urged when walking near riverbanks.

Additional information is available at www.weather.gov.

The next statement will be issued Sunday morning at 1130 AM EST.

Is your address in the flood zone? Search it above for FEMA’s zone and base flood elevation. A new flood insurance policy usually takes 30 days to start (NFIP rule; exceptions include a policy bought when closing a mortgage), so one bought during a flood generally won’t cover it. Homeowners policies don’t cover flood.

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Fruitland Park, Florida. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

Flood risk in Fruitland Park

The map above shows FEMA’s flood zones in and around Fruitland Park; tap any spot, or search an address, for the exact zone. FEMA’s flood insurance records are kept by county, not by city, so the numbers below are for all of Lake County, which includes Fruitland Park.

45% of Lake County’s area is in FEMA’s high-risk flood zones.

Where the flood claims came from

3% of Lake County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.

337 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.

How deep the water got

outlet80″ door12″24″36″48″60″72″84″

In Lake County flood insurance claims that reported a flood depth, the average was 10 inches.

Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.

Average of the depths reported on the county’s claims (zero and implausible values left out). Source: OpenFEMA NFIP claims.

Flood claims, year by year

The worst year was 2017, with 108 claims and $2.0M paid, the year of Hurricane Irma.

1979: 2 claims1983: 1 claims1984: 1 claims1987: 1 claims1992: 3 claims1993: 4 claims1994: 1 claims1995: 6 claims1996: 2 claims1997: 3 claims1998: 2 claims1999: 3 claims2000: 1 claims2001: 12 claims2002: 3 claims2003: 3 claims2004: 76 claims2005: 4 claims2007: 1 claims2008: 20 claims2009: 10 claims2010: 5 claims2011: 1 claims2012: 4 claims2013: 6 claims2014: 6 claims2015: 2 claims2016: 9 claims2017: 108 claims2018: 9 claims2019: 4 claims2020: 4 claims2022: 57 claims2023: 3 claims2024: 74 claims2025: 19 claims19801990200020102020

Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.

Full Lake County flood history: disasters, storm reports and events →

The zones you’ll see on the map

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Fruitland Park

If a building is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.

The average NFIP premium across Florida was $965 a year on August 31, 2026 (premium plus the federal policy fee; the reserve fund assessment and HFIAA surcharge come on top). Risk Rating 2.0 prices each building on its own flood risk, so a quote can be far from the average.

Outside the high-risk zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Quotes: FloodSmart.gov or a local agent.