Broward County, Florida
flood insurance data
- Of the 171,303 owner registrations FEMA inspected in Broward County after disasters of every declared type, 0.3% show more than $30,000 of FEMA-inspected damage, against 1.7% across Florida and 2.6% nationally. The disaster with the most inspections is DR-1609, HURRICANE WILMA (declared 2005-10-24), with 118,403.
- With 118,669 residential NFIP policies effective 2025, Broward County has the 3rd most of 339 counties with all four FEMA sources, and the 2nd most of 43 Florida counties of that list.
- The median paid claim, $30,513, is 46.6% below the Florida median ($57,176) and 18.1% below the national median of the same years ($37,248), the 88th highest of 339 counties with all four FEMA sources.
- With 5,774 paid claims (year of loss 2015-2024), Broward County has the 16th most of 339 counties with all four FEMA sources, and the 10th most of 43 Florida counties of that list.
Source: FEMA, OpenFEMA NfipPolicies (v3, data as of 2026-09-09, retrieved 2026-10-11 and 2026-10-12), NfipClaims (v3, data as of 2026-09-09, retrieved 2026-10-12), DisasterDeclarationsSummaries (v2, data as of 2026-10-11, retrieved 2026-10-12), HousingAssistanceOwners (v2, data as of 2026-10-11, retrieved 2026-10-12), NfipCommunityStatusBook (v1, data as of 2026-10-11, retrieved 2026-10-12); CPI-U, U.S. city average, all items (CUUR0000SA0), annual average (BLS Public Data API v1, annual averages 2005-2025, retrieved 2026-10-12). Not an official federal report.
NFIP premiums in Broward County
NFIP premiums: what NFIP policyholders paid, not a quote. Across 118,669 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $863, and half of them fall between $679 (Q1) and $1,086 (Q3).
The median NFIP premium in Broward County, $863, is 13.9% below the Florida median ($1,002) and 18.2% below the national median ($1,055); it is the 66th lowest of 339 counties with all four FEMA sources. Residential NFIP policies counted by FEMA rose 8.0% between 2019 (109,860) and 2025 (118,668); 2025 is the highest count of the 7 years.
| Flood zone group | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| SFHA (A, AE, AH, AO, AR, A99, V, VE) | 87,994 | $664 | $871 | $1,161 |
| Outside SFHA (X, B, C) | 30,675 | $708 | $846 | $1,057 |
By flood zone
| Flood zone | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| AE | 63,932 | $666 | $907 | $1,273 |
| X | 30,675 | $708 | $846 | $1,057 |
| AH | 23,930 | $662 | $808 | $1,016 |
Policies in force by year
| Year | Policies |
|---|---|
| 2019 | 109,860 |
| 2020 | 106,985 |
| 2021 | 102,519 |
| 2022 | 89,334 |
| 2023 | 88,295 |
| 2024 | 117,247 |
| 2025 | 118,668 |
Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 the two bases differ: 118,668 policies counted by the API, 118,669 in the premium statistics.
NFIP paid building claims in Broward County
NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 5,774 paid claims; median $30,513, half of them between $9,617 (Q1) and $73,652 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $33,976, a monetary adjustment, not today’s cost of repair.
One event weighs on these figures: April Florida Flooding accounts for 51.6% of the paid claims in Broward County, the next event (Hurricane Eta) for 13.6%. These figures largely reflect that one disaster. 2023 alone holds 54.1% of the paid claims (year of loss 2015-2024).
| Event | Paid claims | Share |
|---|---|---|
| April Florida Flooding | 2,981 | 51.6% |
| Hurricane Eta | 783 | 13.6% |
| Hurricane Irma | 766 | 13.3% |
| June South Florida Flooding | 453 | 7.8% |
| Tropical Storm Alex | 21 | 0.4% |
Paid claims by year of loss
| Year of loss | Paid claims |
|---|---|
| 2015 | 38 |
| 2016 | 10 |
| 2017 | 863 |
| 2018 | 25 |
| 2019 | 253 |
| 2020 | 932 |
| 2021 | 15 |
| 2022 | 42 |
| 2023 | 3,124 |
| 2024 | 472 |
FEMA disaster declarations
Since 2000: 22 flood, hurricane and severe-storm declarations (DR and EM) covering Broward County, 13 of them major disaster declarations.
| Incident type | Declarations |
|---|---|
| Flood | 1 |
| Hurricane | 19 |
| Severe Storm | 2 |
Latest declarations
- DR-4834: HURRICANE MILTON (Hurricane, 2024-10-11)
- EM-3622: HURRICANE MILTON (Hurricane, 2024-10-07)
- DR-4709: SEVERE STORMS, TORNADOES, AND FLOODING (Flood, 2023-04-27)
- DR-4680: HURRICANE NICOLE (Hurricane, 2022-12-13)
- DR-4673: HURRICANE IAN (Hurricane, 2022-09-29)
FEMA assistance to homeowners
Since 2002: 171,303 owner registrations inspected by FEMA in Broward County after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.
| Damage band | Registrations |
|---|---|
| No FEMA-inspected damage | 41,748 |
| $1-$10,000 | 125,917 |
| $10,001-$20,000 | 2,747 |
| $20,001-$30,000 | 420 |
| More than $30,000 | 471 |
Disasters with the most inspections
- DR-1609, HURRICANE WILMA (declared 2005-10-24): 118,403 inspections
- DR-4337, HURRICANE IRMA (declared 2017-09-10): 40,589 inspections
- DR-4709, SEVERE STORMS, TORNADOES, AND FLOODING (declared 2023-04-27): 6,580 inspections
- DR-1545, HURRICANE FRANCES (declared 2004-09-04): 5,729 inspections
- DR-1607, HURRICANE RITA (declared 2005-09-24): 1 inspections
NFIP communities and flood maps
FEMA’s Community Status Book places 32 NFIP communities in Broward County alone; 27 of them (84.4%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 5 (Dania Beach, City of and Pembroke Pines, City of): FEMA applies that 25% discount to the full-risk premium of Regular Program NFIP policies in those communities, inside or outside the SFHA, not to the whole county; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Broward County dates from 2014-08-18 (Parkland, City of).
| Community | In the NFIP | CRS class | CRS discount (all policies) | Map in effect | First FIRM | Sanction |
|---|---|---|---|---|---|---|
| Dania Beach, City of | yes | 5 | 25% | 2024-07-31 | 1978-02-15 | — |
| Pembroke Pines, City of | yes | 5 | 25% | 2024-07-31 | 1977-02-15 | — |
| Broward County* | yes | 6 | 20% | 2024-07-31 | 1972-10-26 | — |
| Cooper City, City of | yes | 6 | 20% | 2024-07-31 | 1977-06-01 | — |
| Hallandale Beach, City of | yes | 6 | 20% | 2024-07-31 | 1972-11-24 | — |
| Hollywood, City of | yes | 6 | 20% | 2024-07-31 | 1972-11-07 | — |
| Margate, City of | yes | 6 | 20% | 2024-07-31 | 1978-01-19 | — |
| North Lauderdale, City of | yes | 6 | 20% | 2024-07-31 | 1979-04-02 | — |
| Oakland Park, City of | yes | 6 | 20% | 2024-07-31 | 1977-12-01 | — |
| Pompano Beach, City of | yes | 6 | 20% | 2024-07-31 | 1979-09-05 | — |
| Tamarac, City of | yes | 6 | 20% | 2024-07-31 | 1978-02-15 | — |
| Weston, City of | yes | 6 | 20% | 2024-07-31 | 1972-10-26 | — |
| Coconut Creek, City of | yes | 7 | 15% | 2024-07-31 | 1979-04-02 | — |
| Davie, Town of | yes | 7 | 15% | 2024-07-31 | 1976-07-13 | — |
| Fort Lauderdale, City of | yes | 7 | 15% | 2024-07-31 | 1972-11-03 | — |
| Lauderhill, City of | yes | 7 | 15% | 2024-07-31 | 1978-06-15 | — |
| Lighthouse Point, City of | yes | 7 | 15% | 2024-07-31 | 1972-11-07 | — |
| Plantation, City of | yes | 7 | 15% | 2024-07-31 | 1977-09-15 | — |
| Southwest Ranches, Town of | yes | 7 | 15% | 2024-07-31 | 1972-10-26 | — |
| Sunrise, City of | yes | 7 | 15% | 2024-07-31 | 1979-03-15 | — |
| Coral Springs, City of | yes | 8 | 10% | 2024-07-31 | 1978-01-17 | — |
| Deerfield Beach, City of | yes | 8 | 10% | 2024-07-31 | 1972-11-10 | — |
| Hillsboro Beach, Town of | yes | 8 | 10% | 2024-07-31 | 1978-04-17 | — |
| Lauderdale-By-The-Sea, Town of | yes | 8 | 10% | 2024-07-31 | 1972-10-27 | — |
| Miramar, City of | yes | 8 | 10% | 2024-07-31 | 1977-12-01 | — |
| Parkland, City of | yes | 9 | 5% | 2014-08-18 | 1979-04-02 | — |
| Pembroke Park, Town of | yes | 10 | — | 2024-07-31 | 1979-05-01 | — |
| Lauderdale Lakes, City of | yes | — | — | 2024-07-31 | 1979-12-04 | — |
| Lazy Lake, Village of | yes | — | — | 2024-07-31 | 1992-08-18 | — |
| Sea Ranch Lakes, Village of | yes | — | — | 2024-07-31 | 1977-02-16 | — |
| West Park, City of | yes | — | — | 2024-07-31 | 1972-10-26 | — |
| Wilton Manors, City of | yes | — | — | 2024-07-31 | 1972-10-27 | — |
Communities that extend into other counties
1 more community lists Broward County among several counties; they are not counted above.
| Community | Counties | CRS class | CRS discount (all policies) |
|---|---|---|---|
| Seminole Tribe of Florida | ST. Lucie County/Glades County/Hendry County/Collier County/Broward County | — | — |
Questions about flood insurance in Broward County
How much is flood insurance in Broward County?
NFIP policyholders in Broward County paid a median of $863 for residential policies effective 2025 (118,669 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $679 and $1,086; $871 inside the Special Flood Hazard Area against $846 outside it: what NFIP policyholders paid, not a quote.
How many flood insurance claims has Broward County had?
5,774 NFIP building claims were paid (year of loss 2015-2024), with a median of $30,513; the year with the most was 2023 (3,124), and the named event with the most was April Florida Flooding (2,981). These are amounts paid, not repair cost.
Is Broward County in a flood zone?
Of the residential NFIP policies of Broward County (policies effective 2025), 87,994 are rated inside the Special Flood Hazard Area and 30,675 outside it (zones listed: AE, X, AH), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.
Statewide figures: Florida flood insurance data.
Named storms with paid claims in Broward County
Related tools
NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.
To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.
Before using these figures
A county figure can rest on one disaster, and FEMA’s county code may not be the county where every property stands. Method and limits.
Source and notice
- Dominant event: April Florida Flooding = 0.516 of paid claims 2015-2024.
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).