Home insurance in Pembroke Pines, Florida

Do building codes affect insurance in Pembroke Pines?

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.

What makes insuring a home in Pembroke Pines different?

A large western Broward suburb, mostly built from the 1980s onward, at the edge of the Everglades.

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

Do I need flood insurance in Pembroke Pines?

Most of Pembroke Pines 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 Pembroke Pines?

Pembroke Pines ranks #11 among Florida cities by population in the Census Bureau's Vintage 2024 estimates, at 179,326 residents, up about 4.8% from the April 2020 estimates base of 171,185.

Has Pembroke Pines 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.