Home insurance in Margate, Florida

What makes insuring a home in Margate different?

A central Broward city built mostly from the 1960s through the 1980s.

Within the city, elevation, distance to water and the age of the roof often matter more than the ZIP code alone.

What flood zones are in Margate?

Most of Margate 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.

How big is Margate?

Margate ranks #52 among Florida cities by population in the Census Bureau's Vintage 2024 estimates, at 60,650 residents, up about 3.3% from the April 2020 estimates base of 58,701.

Which hurricanes have affected Margate?

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.

Do building codes affect insurance in Margate?

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.