Is Palm Coast, FL Safe to Buy? Home Safety Score 90/100
Score 90/100 · Risk: low · Water Grade A · Updated 2026-05-03
Palm Coast has low overall risk for homebuyers. Most safety indicators are within acceptable ranges.
Data: EPA SDWIS, FEMA NFIP, Census ACS, EPA Radon Zones Last verified: 2026-05-03
On the scale from routine upkeep to equity-straining commitments, remediation in Palm Coast lands firmly toward the lower end — the repair budget here is proportionally contained, which makes safety planning a tractable financial exercise rather than a significant equity consideration for most owners.
What is a home safety score?
The home safety score (0-100) combines multiple environmental risk factors into a single number: water quality grade, lead contamination levels, flood zone exposure, radon risk, and air quality. A higher score means lower overall risk. The score helps homebuyers compare neighborhoods at a glance. Palm Coast scores 90/100 with a "low" risk level.
Remediation Cost Breakdown
Estimated costs to address safety issues for a typical home in Palm Coast:
Cost ranges are estimates based on national averages. Actual costs vary by property. Get 3 quotes before proceeding.
Per-ZIP Home Safety Scores
Safety scores vary across Palm Coast's 5 ZIP codes.
| ZIP Code | Score | Grade | |
|---|---|---|---|
| 32137 | 77 | B | View report → |
| 32164 | 87 | A | View report → |
| 32135 | 96 | A | View report → |
| 32142 | 96 | A | View report → |
| 32143 | 96 | A | View report → |
Home Safety Overview
Palm Coast, Florida has low overall risk for homebuyers. The average home safety score is 90/100 across 5 ZIP codes. While no area is risk-free, Palm Coast performs well across water quality, lead exposure, flood risk, and environmental factors.
Safety Score Card
A composite view of Palm Coast's key risk indicators:
| Risk Factor | Value | Assessment |
|---|---|---|
| Water Quality | Grade A (90/100) | Low risk |
| Lead Risk | 0.0012 mg/L | Low risk |
| Flood Risk | 40% in flood zones | Elevated risk |
| Radon | Zone 3 (Low) | Low risk |
| Air Quality | AQI 45 (Good) | Low risk |
Cost to Fix: Remediation Breakdown
Estimated costs to address safety issues for a typical home in Palm Coast:
| Component | Estimated Cost |
|---|---|
| Flood Insurance | $2K |
| Total (low estimate) | $1K |
| Total (mid estimate) | $2K |
| Total (high estimate) | $2K |
Cost ranges are estimates based on national averages and local data. Actual costs vary by property condition, contractor, and scope of work. Get 3 quotes before proceeding.
Per-ZIP Home Safety Scores
Home safety varies across Palm Coast's ZIP codes. Lower scores indicate more risk factors:
Safety scores range from 77 (32137) to 96 (32143) — a spread of 19 points.
Palm Coast vs. Nearby Florida Cities
How Palm Coast's overall risk compares to similar cities in Florida:
| City | Water Grade | Lead ZIPs Over Limit | Flood Claims | Population |
|---|---|---|---|---|
| Palm Coast | A | 0 | 803 | 117,378 |
| Belleview | B | 0 | 7 | 116,402 |
| Sanford | B | 0 | 317 | 115,806 |
| Boynton Beach | B | 0 | 1,168 | 113,110 |
Homebuyer Safety Checklist for Palm Coast
Before purchasing a home in Palm Coast, Florida, complete these checks:
Water Quality
- Request the latest Consumer Confidence Report (CCR) from the water utility
- Test tap water for lead, bacteria, and nitrates ($20-$50 for DIY kit)
Radon
- Conduct a radon test ($15-$30 for short-term kit, $150-$300 for professional)
Flood Risk
- Check the property's FEMA flood zone at msc.fema.gov
- Ask about flood history and past insurance claims
- 40% of Palm Coast is in flood zones — verify insurance requirements
Lead Paint & Pipes
- For homes built before 1978: request lead paint disclosure
- For homes built before 1986: inspect plumbing for lead solder and pipes
General
- Check for carbon monoxide detectors on every level
- Inspect for visible mold, water stains, or musty odors
- Verify the home's connection to a regulated public water system
Data Sources
- Water quality: EPA SDWIS
- Lead: EPA Lead and Copper Rule
- Flood: FEMA NFIP
- Radon: EPA Radon Zones
- Air quality: EPA AirNow
- Home values: U.S. Census Bureau ACS B25077
- Remediation costs: National cost model (EPA, Census, FEMA data)
Updated daily.
Water Quality Map: Palm Coast, FL
Each dot represents a ZIP code. Color indicates water quality grade. Tap a dot for details.
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