Home insurance in Miramar, Florida

How does home age affect Miramar 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.

Is Miramar growing?

Miramar ranks #14 among Florida cities by population in the Census Bureau's Vintage 2024 estimates, at 143,242 residents, up about 6.3% from the April 2020 estimates base of 134,713.

What makes insuring a home in Miramar different?

Grew quickly west toward the Everglades from the 1990s, so much of its housing is relatively new.

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

What flood zones are in Miramar?

Most of Miramar 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.

Which hurricanes have affected Miramar?

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.