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Flood insurance cost · ZIP 33315 · FL

Flood insurance cost in ZIP 33315 (Fort Lauderdale, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,313 home policies in force on August 31, 2026.

ZIP code 33315 (Fort Lauderdale, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,234a year

Half of insured homes paid between $1,047 and $1,505. That is 46% more than the Broward County median ($848). Most insured homes here are rated in zone AE (82%).

$0$1,047 · $1,234 · $1,505$1,881
+12.5% vs Aug 31, 2025 (median $1,097)
2,313home policies in force
$1,301average 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 33315

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		$1,246$1,050–$1,526$1,3131,892 (82%)+12.7%
Zone AH
High risk, shallow		$1,206$1,011–$1,482$1,283284 (12%)+9.0%
Zone X
Moderate to low risk		$1,119$1,054–$1,303$1,164137 (6%)+11.0%

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 33315, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,901$1,234$1,316
2–4 unit building327$1,307$1,339
Manufactured (mobile) home21$1,298$1,299
Condo or apartment unit64$568$653
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.		69$3,642$4,607
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		237$3,035$3,492
2,619NFIP policies in force, any building
3,813insured units (condo association policies count every unit)
70%of home policies also cover contents
$89,000median contents coverage, when bought

One year on: ZIP code 33315

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 force2,3492,313−1.5%
Median annual cost$1,097$1,234+12.5%
Average annual cost$1,187$1,301+9.6%
All policies in force (any building)2,6572,619−1.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33315 have filed 1,402 flood claims. 1,170 received a payment, for a total of $82.0 million (an average of $70,117 per paid claim). The year with the most claims was 2023 (807 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k198019901991: 12 claims1994: 16 claims1999: 72 claims, 52 paid, $387,514 in total2000: 16 claims20002002: 22 claims, 11 paid, $81,261 in total2003: 41 claims, 38 paid, $373,231 in total2005: 24 claims20102011: 147 claims, 125 paid, $2,876,590 in total20112017: 32 claims, 19 paid, $477,974 in total2019: 18 claims, 13 paid, $438,130 in total2020: 87 claims, 73 paid, $2,095,955 in total202020202023: 807 claims, 752 paid, $73,228,849 in total20232024: 29 claims, 24 paid, $1,141,510 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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20242924$1,141,510$47,563
2023807752$73,228,849$97,379
20208773$2,095,955$28,712
20191813$438,130$33,702
20173219$477,974$25,157
2011147125$2,876,590$23,013
200524<10––
20034138$373,231$9,822
20022211$81,261$7,387
200016<10––
19997252$387,514$7,452
199416<10––
199112<10––

From 2016 to 2026: 973 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 (2,313 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.