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Flood insurance cost · ZIP 33312 · FL

Flood insurance cost in ZIP 33312 (Fort Lauderdale, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,570 home policies in force on August 31, 2026.

ZIP code 33312 (Fort Lauderdale, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,003a year

Half of insured homes paid between $825 and $1,187. That is 18% more than the Broward County median ($848). Most insured homes here are rated in zone AE (69%).

$0$825 · $1,003 · $1,187$1,484
+8.5% vs Aug 31, 2025 (median $924)
4,570home policies in force
$1,043average cost (mean)
88%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 33312

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 AE
High risk		$1,022$830–$1,230$1,0703,162 (69%)+10.6%
Zone AH
High risk, shallow		$944$782–$1,090$970877 (19%)+5.4%
Zone X
Moderate to low risk		$1,018$868–$1,122$1,009531 (12%)+9.5%

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 33312, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,937$1,010$1,055
2–4 unit building319$1,082$1,150
Manufactured (mobile) home191$831$893
Condo or apartment unit123$648$646
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.		157$2,952$3,384
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		363$2,085$2,652
5,090NFIP policies in force, any building
5,818insured units (condo association policies count every unit)
68%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 33312

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 force4,6254,570−1.2%
Median annual cost$924$1,003+8.5%
Average annual cost$961$1,043+8.5%
All policies in force (any building)5,1525,090−1.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33312 have filed 1,800 flood claims. 1,355 received a payment, for a total of $78.6 million (an average of $57,995 per paid claim). The year with the most claims was 2023 (918 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1979: 33 claims, 23 paid, $21,557 in total198019901991: 15 claims, 14 paid, $79,760 in total1992: 12 claims1994: 23 claims, 13 paid, $49,520 in total1999: 149 claims, 97 paid, $875,431 in total19992000: 23 claims20002003: 19 claims, 13 paid, $92,166 in total2004: 22 claims2005: 104 claims, 18 paid, $377,330 in total2009: 14 claims20102011: 62 claims, 49 paid, $1,374,786 in total2017: 50 claims, 27 paid, $830,053 in total2020: 228 claims, 201 paid, $7,003,125 in total202020202023: 918 claims, 827 paid, $66,670,952 in total20232024: 18 claims, 14 paid, $565,362 in total
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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241814$565,362$40,383
2023918827$66,670,952$80,618
2020228201$7,003,125$34,841
20175027$830,053$30,743
20116249$1,374,786$28,057
200914<10––
200510418$377,330$20,963
200422<10––
20031913$92,166$7,090
200023<10––
199914997$875,431$9,025
19942313$49,520$3,809
199212<10––
19911514$79,760$5,697
19793323$21,557$937

From 2016 to 2026: 1,214 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

Fort Lauderdale (2,914 home policies) · Dania Beach (1,230 home policies) · Hollywood (404 home policies) · Unincorporated Broward County (18 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.