Flood insurance cost · ZIP 33319 · FL

Flood insurance cost in ZIP 33319 (Tamarac, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,424 home policies in force on August 31, 2026.

ZIP code 33319 (Tamarac, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$780a year

Half of insured homes paid between $676 and $940. That is 8% less than the Broward County median ($848). Most insured homes here are rated in zone AH (80%).

$0$676 · $780 · $940$1,175

+4.8% vs Aug 31, 2025 (median $744)

2,424home policies in force

$815average cost (mean)

82%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 33319

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	$909	$734–$1,097	$906	44 (2%)	+3.6%
Zone AH High risk, shallow	$773	$674–$920	$803	1,948 (80%)	+5.2%
Zone X Moderate to low risk	$798	$682–$1,079	$860	432 (18%)	+2.3%

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 33319, by what they insure.

Type of building	Policies	Median	Average
Single-family home	2,316	$786	$823
2–4 unit building	21	$1,121	$1,060
Condo or apartment unit	87	$530	$530
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.	103	$2,016	$2,581
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	69	$1,859	$2,347

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

2,596NFIP policies in force, any building

3,476insured units (condo association policies count every unit)

82%of home policies also cover contents

$77,000median contents coverage, when bought

One year on: ZIP code 33319

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	2,540	2,424	−4.6%
Median annual cost	$744	$780	+4.8%
Average annual cost	$769	$815	+6.0%
All policies in force (any building)	2,711	2,596	−4.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33319 have filed 1,357 flood claims. 605 received a payment, for a total of $3,809,162 (an average of $6,296 per paid claim). The year with the most claims was 1999 (289 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
2023	26	13	$221,019	$17,001
2020	39	24	$302,888	$12,620
2018	14	<10	–	–
2017	129	61	$1,008,598	$16,534
2012	78	33	$383,538	$11,622
2009	14	<10	–	–
2005	188	35	$407,049	$11,630
2004	46	11	$72,194	$6,563
2001	16	<10	–	–
2000	13	<10	–	–
1999	289	212	$1,036,281	$4,888
1998	10	<10	–	–
1995	16	<10	–	–
1994	17	<10	–	–
1992	12	<10	–	–
1983	11	<10	–	–
1982	20	<10	–	–
1981	65	32	$32,014	$1,000
1979	205	124	$162,699	$1,312

From 2016 to 2026: 208 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

Tamarac (1,125 home policies) · Lauderhill (1,072 home policies) · North Lauderdale (137 home policies) · Lauderdale Lakes (87 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.