Home insurance in Broward County, Florida
Broward County (Fort Lauderdale is the county seat) had about 2,037,472 residents in 2024 per Census estimates. It is a coastal county on the Atlantic side in the Southeast Florida. Wilma (2005) caused heavy wind damage across Broward. Roof age, wind mitigation and flood drive most quotes here.
County seat Fort LauderdalePopulation (2024 est.) 2,037,472Setting Coastal (Atlantic)Region Southeast Florida
Do I need flood insurance in Broward County?
Key water: Atlantic coast, Intracoastal, New River, the Everglades edge.
FEMA flood maps here include coastal high-hazard V zones and A zones along the Atlantic coast and other shorelines, plus X zones farther inland. Storm surge is flood, not wind, so it is only covered by a separate flood policy. Check your address on the FEMA Flood Map Service Center.
What should Broward County homeowners know before shopping?
Broward is in the High-Velocity Hurricane Zone (HVHZ), the strictest part of the Florida Building Code, with Miami-Dade-style product approvals required for roofs, windows and doors.
Many Broward County homeowners are with Citizens or have received a takeout offer. Agencies quoting the same carrier use the same filed rates, so compare coverage line by line before price.
Top-100 Florida cities in Broward County
- Fort Lauderdale190,641 residents (2024)
- Pembroke Pines179,326 residents (2024)
- Hollywood159,073 residents (2024)
- Miramar143,242 residents (2024)
- Coral Springs140,808 residents (2024)
- Pompano Beach118,104 residents (2024)
- Davie112,052 residents (2024)
- Plantation100,694 residents (2024)
- Sunrise100,128 residents (2024)
- Deerfield Beach90,507 residents (2024)
- Lauderhill76,627 residents (2024)
- Tamarac75,147 residents (2024)
- Weston70,674 residents (2024)
- Margate60,650 residents (2024)
- Coconut Creek59,721 residents (2024)
- North Lauderdale46,335 residents (2024)
- Oakland Park45,771 residents (2024)
- Hallandale Beach43,043 residents (2024)
- Parkland39,700 residents (2024)
- Lauderdale Lakes37,333 residents (2024)
- Cooper City35,541 residents (2024)
- Dania Beach33,076 residents (2024)
Is Broward County in a wind-borne debris region?
Broward County is in the High-Velocity Hurricane Zone (HVHZ) under the Florida Building Code, which requires product approvals for roofs, windows and doors and is also treated as a wind-borne debris region.
The statewide Florida Building Code took effect March 1, 2002. Homes permitted after that date, or with later roof and window permits, usually document better on a wind mitigation inspection. Older homes may also need a 4-point inspection.
Shopping for home insurance in Broward County? Your request goes only to Nymble Insurance, a licensed Florida agency. We quote every applicant and compare options on matching coverage.
Start a private quote Call (813) 291-3484How have hurricanes affected Broward County homes?
Wilma (2005) caused heavy wind damage across Broward; the Great Miami Hurricane (1926) and Irma (2017) also hit hard.
Claims from these storms still shape carrier appetite in the area. Coastal location changes which part of that history matters most for your home.
How fast is Broward County growing?
The Census Bureau's Vintage 2024 estimate puts Broward County at 2,037,472 residents. That is up about 4.8% from the April 2020 base estimate of 1,944,404, making it Florida's 2nd most populous county.
Frequently asked questions
Is FMAP.insure the official FMAP for Broward County?
No. FMAP.insure is a private website run by Nymble Insurance LLC. The official, free FMAP referral service is at fmap.org. Requests here go only to Nymble Insurance.
Can Nymble Insurance quote my Broward County home?
Yes. Nymble Insurance is a licensed Florida agency (L131669) and quotes homeowners across Broward County and the rest of Florida. Every applicant gets a quote request reviewed.
Does my homeowners policy cover storm surge in Broward County?
No. Storm surge is flood, which homeowners policies exclude. You need a separate flood policy through the NFIP or a private flood insurer.
Are there wind-borne debris rules in Broward County?
Broward County is in the High-Velocity Hurricane Zone (HVHZ) under the Florida Building Code, which requires product approvals for roofs, windows and doors and is also treated as a wind-borne debris region.