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Flood insurance cost · Broward County, FL

Flood insurance cost in Broward County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 118,984 home policies in force on August 31, 2026.

Broward County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$848a year

Half of insured homes paid between $662 and $1,141. That is 17% less than the Florida median ($1,017). Most insured homes here are rated in zone AE (55%).

$0$662 · $848 · $1,141$1,426
+5.3% vs Aug 31, 2025 (median $805)
118,984home policies in force
$994average cost (mean)
75%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Broward County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$955$665–$1,797$1,498188 (0%)+8.5%
Zone AE
High risk		$883$648–$1,261$1,08265,550 (55%)+8.9%
Zone AO
High risk, shallow		$1,253$691–$2,470$1,73765 (0%)+14.7%
Zone AH
High risk, shallow		$813$658–$1,038$88323,424 (20%)+4.2%
Zone X
Moderate to low risk		$832$690–$1,069$88329,755 (25%)+1.8%

Not shown (fewer than 10 home policies): A, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Broward County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home107,518$859$1,009
2–4 unit building3,775$1,153$1,301
Manufactured (mobile) home358$821$904
Condo or apartment unit7,333$534$614
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		5,831$2,585$5,638
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		7,987$1,968$2,747
132,802NFIP policies in force, any building
229,053insured units (condo association policies count every unit)
76%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Broward County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force123,507118,984−3.7%
Median annual cost$805$848+5.3%
Average annual cost$921$994+7.9%
All policies in force (any building)137,659132,802−3.5%

How many homes have flood insurance?

19.2%of all homes in Broward County have an NFIP policy
76.1%of homes in high-risk zones (special flood hazard area) have one
652,397residential buildings counted by FEMA
123,414of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Broward County, Florida have filed 35,087 flood claims. 17,464 received a payment, for a total of $458.0 million (an average of $26,224 per paid claim). The year with the most claims was 1999 (6,520 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 29 claims, 10 paid, $64,619 in total1979: 2,166 claims, 955 paid, $877,864 in total1980: 82 claims, 14 paid, $40,246 in total19801981: 891 claims, 389 paid, $388,014 in total1982: 186 claims, 82 paid, $123,763 in total1983: 156 claims, 50 paid, $169,299 in total1984: 98 claims, 23 paid, $56,016 in total1985: 102 claims, 16 paid, $98,161 in total1986: 183 claims, 90 paid, $390,170 in total1987: 25 claims1988: 52 claims, 18 paid, $19,843 in total1989: 43 claims1990: 18 claims19901991: 476 claims, 241 paid, $1,184,889 in total1992: 595 claims, 134 paid, $2,051,435 in total1993: 67 claims, 23 paid, $165,024 in total1994: 794 claims, 348 paid, $1,414,606 in total1995: 405 claims, 211 paid, $1,982,730 in total1996: 163 claims, 49 paid, $398,254 in total1997: 143 claims, 34 paid, $177,520 in total1998: 389 claims, 109 paid, $740,829 in total1999: 6,520 claims, 4,008 paid, $19,448,452 in total19992000: 1,487 claims, 922 paid, $12,850,897 in total20002001: 390 claims, 166 paid, $1,144,820 in total2002: 350 claims, 156 paid, $1,547,812 in total2003: 562 claims, 307 paid, $3,688,809 in total2004: 1,034 claims, 288 paid, $1,549,795 in total2005: 4,853 claims, 864 paid, $12,301,364 in total20052006: 173 claims, 26 paid, $251,236 in total2007: 182 claims, 35 paid, $434,609 in total2008: 264 claims, 56 paid, $456,185 in total2009: 944 claims, 646 paid, $21,806,037 in total2010: 255 claims, 47 paid, $476,451 in total20102011: 972 claims, 654 paid, $16,101,373 in total2012: 888 claims, 383 paid, $2,436,172 in total2013: 285 claims, 97 paid, $2,810,582 in total2014: 175 claims, 21 paid, $69,937 in total2015: 136 claims, 40 paid, $648,076 in total2016: 95 claims, 10 paid, $572,508 in total2017: 1,917 claims, 884 paid, $24,398,961 in total2018: 97 claims, 28 paid, $950,850 in total2019: 377 claims, 266 paid, $10,617,194 in total2020: 1,383 claims, 966 paid, $22,784,731 in total20202021: 57 claims, 15 paid, $155,576 in total2022: 126 claims, 44 paid, $1,171,187 in total2023: 3,723 claims, 3,170 paid, $250,280,175 in total20232024: 657 claims, 500 paid, $35,137,673 in total2025: 91 claims, 53 paid, $3,480,344 in total2026: 31 claims
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202631<10––
20259153$3,480,344$65,667
2024657500$35,137,673$70,275
20233,7233,170$250,280,175$78,953
202212644$1,171,187$26,618
20215715$155,576$10,372
20201,383966$22,784,731$23,587
2019377266$10,617,194$39,914
20189728$950,850$33,959
20171,917884$24,398,961$27,601
20169510$572,508$57,251
201513640$648,076$16,202
201417521$69,937$3,330
201328597$2,810,582$28,975
2012888383$2,436,172$6,361
2011972654$16,101,373$24,620
201025547$476,451$10,137
2009944646$21,806,037$33,755
200826456$456,185$8,146
200718235$434,609$12,417
200617326$251,236$9,663
20054,853864$12,301,364$14,238
20041,034288$1,549,795$5,381
2003562307$3,688,809$12,016
2002350156$1,547,812$9,922
2001390166$1,144,820$6,897
20001,487922$12,850,897$13,938
19996,5204,008$19,448,452$4,852
1998389109$740,829$6,797
199714334$177,520$5,221
199616349$398,254$8,128
1995405211$1,982,730$9,397
1994794348$1,414,606$4,065
19936723$165,024$7,175
1992595134$2,051,435$15,309
1991476241$1,184,889$4,917
199018<10––
198943<10––
19885218$19,843$1,102
198725<10––
198618390$390,170$4,335
198510216$98,161$6,135
19849823$56,016$2,435
198315650$169,299$3,386
198218682$123,763$1,509
1981891389$388,014$997
19808214$40,246$2,875
19792,166955$877,864$919
19782910$64,619$6,462

From 2016 to 2026: 8,554 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Broward County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Miramar (16,360 home policies) · Fort Lauderdale (15,834 home policies) · Pembroke Pines (15,274 home policies) · Hollywood (10,480 home policies) · Pompano Beach (6,559 home policies) · Davie (5,291 home policies)