Flood insurance cost · ZIP 33309 · FL

Flood insurance cost in ZIP 33309 (Oakland Park, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,029 home policies in force on August 31, 2026.

ZIP code 33309 (Oakland Park, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,080a year

Half of insured homes paid between $887 and $1,264. That is 27% more than the Broward County median ($848). The most common flood zone for insured homes here is zone AE (46%).

$0$887 · $1,080 · $1,264$1,580

+13.8% vs Aug 31, 2025 (median $949)

2,029home policies in force

$1,110average cost (mean)

84%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 33309

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	$1,142	$922–$1,359	$1,180	930 (46%)	+14.8%
Zone AH High risk, shallow	$1,017	$854–$1,211	$1,043	783 (39%)	+8.9%
Zone X Moderate to low risk	$1,080	$910–$1,236	$1,073	316 (16%)	+16.0%

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 33309, by what they insure.

Type of building	Policies	Median	Average
Single-family home	1,872	$1,084	$1,135
2–4 unit building	49	$1,217	$1,293
Condo or apartment unit	108	$588	$606
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.	78	$5,630	$5,736
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	480	$2,123	$2,552

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

2,587NFIP policies in force, any building

3,644insured units (condo association policies count every unit)

72%of home policies also cover contents

$80,000median contents coverage, when bought

One year on: ZIP code 33309

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	2,198	2,029	−7.7%
Median annual cost	$949	$1,080	+13.8%
Average annual cost	$1,002	$1,110	+10.8%
All policies in force (any building)	2,785	2,587	−7.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33309 have filed 1,185 flood claims. 612 received a payment, for a total of $6,313,472 (an average of $10,316 per paid claim). The year with the most claims was 1999 (233 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 (20)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2023	35	27	$980,946	$36,331
2020	63	42	$995,556	$23,704
2017	67	41	$464,838	$11,338
2012	52	28	$156,922	$5,604
2011	40	29	$802,019	$27,656
2008	11	<10	–	–
2007	10	<10	–	–
2005	166	54	$607,777	$11,255
2004	74	22	$77,876	$3,540
2003	33	23	$138,085	$6,004
2002	45	29	$524,491	$18,086
2001	23	14	$175,633	$12,545
1999	233	159	$743,614	$4,677
1998	10	<10	–	–
1996	11	<10	–	–
1994	47	24	$29,160	$1,215
1992	36	13	$216,280	$16,637
1986	12	<10	–	–
1981	18	12	$4,571	$381
1979	100	55	$28,865	$525

From 2016 to 2026: 165 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

Oakland Park (1,184 home policies) · Fort Lauderdale (413 home policies) · Tamarac (226 home policies) · Lauderdale Lakes (195 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.