Home insurance in Davie, Florida

Do I need flood insurance in Davie?

Most of Davie is mapped outside high-risk coastal zones, but local A zones and drainage flooding still occur. A homeowners policy excludes flood; check your address at the FEMA Flood Map Service Center.

Is Davie growing?

Davie ranks #22 among Florida cities by population in the Census Bureau's Vintage 2024 estimates, at 112,052 residents, up about 6.0% from the April 2020 estimates base of 105,705.

What makes insuring a home in Davie different?

Known for its horse-country lots west of Fort Lauderdale, a different property profile than most of Broward.

Carriers look at the specific address: flood zone, construction type, year built and roof permit history.

How does home age affect Davie insurance?

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.

Homes built or re-roofed after the statewide Florida Building Code took effect in 2002 tend to document better on a wind mitigation report; older homes may need a 4-point inspection.

Has Davie been hit by hurricanes?

At the county level: Wilma (2005) caused heavy wind damage across Broward; the Great Miami Hurricane (1926) and Irma (2017) also hit hard.

Even without surge, heavy rain and wind-driven damage are the typical claims.