Flood insurance cost · ZIP 33068 · FL

Flood insurance cost in ZIP 33068 (North Lauderdale, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,335 home policies in force on August 31, 2026.

ZIP code 33068 (North Lauderdale, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$841a year

Half of insured homes paid between $701 and $946. That is about the same as the Broward County median ($848). Most insured homes here are rated in zone AH (61%).

$0$701 · $841 · $946$1,182

+5.3% vs Aug 31, 2025 (median $799)

1,335home policies in force

$827average cost (mean)

65%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 33068

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	$855	$700–$943	$855	60 (4%)	+5.0%
Zone AH High risk, shallow	$840	$703–$937	$826	812 (61%)	+5.7%
Zone X Moderate to low risk	$848	$697–$956	$825	463 (35%)	+4.2%

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 33068, by what they insure.

Type of building	Policies	Median	Average
Single-family home	1,244	$846	$837
2–4 unit building	42	$892	$915
Condo or apartment unit	49	$477	$489
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.	48	$1,890	$1,911
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	43	$1,730	$1,685

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

1,426NFIP policies in force, any building

1,446insured units (condo association policies count every unit)

81%of home policies also cover contents

$67,000median contents coverage, when bought

One year on: ZIP code 33068

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	1,411	1,335	−5.4%
Median annual cost	$799	$841	+5.3%
Average annual cost	$791	$827	+4.6%
All policies in force (any building)	1,503	1,426	−5.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33068 have filed 1,257 flood claims. 509 received a payment, for a total of $1,777,310 (an average of $3,492 per paid claim). The year with the most claims was 1999 (266 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 (19)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2020	22	13	$76,617	$5,894
2017	36	16	$196,086	$12,255
2012	51	22	$93,349	$4,243
2011	18	<10	–	–
2008	12	<10	–	–
2007	14	<10	–	–
2005	256	44	$488,961	$11,113
2004	58	16	$47,910	$2,994
2003	13	<10	–	–
2002	16	<10	–	–
2001	23	<10	–	–
2000	20	<10	–	–
1999	266	185	$536,697	$2,901
1998	16	<10	–	–
1994	24	<10	–	–
1992	12	<10	–	–
1982	11	<10	–	–
1981	69	32	$15,704	$491
1979	211	113	$66,951	$592

From 2016 to 2026: 58 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

North Lauderdale (1,112 home policies) · Margate (213 home policies) · Unincorporated Broward County (10 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.