Flood insurance cost · ZIP 33020 · FL

Flood insurance cost in ZIP 33020 (Hollywood, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,518 home policies in force on August 31, 2026.

ZIP code 33020 (Hollywood, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,085a year

Half of insured homes paid between $832 and $1,348. That is 28% more than the Broward County median ($848). Most insured homes here are rated in zone AE (69%).

$0$832 · $1,085 · $1,348$1,685

+7.6% vs Aug 31, 2025 (median $1,008)

2,518home policies in force

$1,118average cost (mean)

94%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 ZIP code 33020

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,198	$978–$1,429	$1,216	1,732 (69%)	+7.2%
Zone AH High risk, shallow	$822	$680–$1,016	$895	638 (25%)	+5.0%
Zone X Moderate to low risk	$938	$747–$1,090	$927	148 (6%)	+5.3%

Not shown (fewer than 10 home policies): VE, A, AO, 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 ZIP code 33020, by what they insure.

Type of building	Policies	Median	Average
Single-family home	2,141	$1,113	$1,151
2–4 unit building	235	$1,105	$1,160
Condo or apartment unit	142	$527	$546
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.	168	$2,910	$4,000
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	247	$2,253	$2,623

Not shown (fewer than 10 policies): manufactured (mobile) home.

2,933NFIP policies in force, any building

4,818insured units (condo association policies count every unit)

66%of home policies also cover contents

$65,000median contents coverage, when bought

One year on: ZIP code 33020

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, 2025	Aug 31, 2026	Change
Home policies in force	2,605	2,518	−3.3%
Median annual cost	$1,008	$1,085	+7.6%
Average annual cost	$1,054	$1,118	+6.1%
All policies in force (any building)	3,036	2,933	−3.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33020 have filed 1,235 flood claims. 870 received a payment, for a total of $29.9 million (an average of $34,389 per paid claim). The year with the most claims was 2023 (310 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (18)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2024	91	78	$4,767,579	$61,123
2023	310	261	$16,335,439	$62,588
2020	11	<10	–	–
2019	79	65	$2,025,974	$31,169
2017	37	14	$278,409	$19,886
2013	12	<10	–	–
2010	10	<10	–	–
2009	159	142	$4,097,123	$28,853
2005	51	10	$169,567	$16,957
2003	47	34	$250,370	$7,364
2000	170	141	$1,486,849	$10,545
1999	80	31	$97,539	$3,146
1998	11	<10	–	–
1995	29	21	$69,799	$3,324
1994	13	<10	–	–
1992	16	<10	–	–
1991	45	22	$71,155	$3,234
1979	10	<10	–	–

From 2016 to 2026: 528 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.

NFIP communities in this ZIP code

Hollywood (2,513 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.