Home insurance in Sunrise, Florida

Which hurricanes have affected Sunrise?

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.

Why do Sunrise home insurance quotes vary?

Western Broward city built mostly from the 1960s through the 1980s, including many condo communities.

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

How does home age affect Sunrise 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.

What flood zones are in Sunrise?

Most of Sunrise 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 Sunrise growing?

Sunrise ranks #27 among Florida cities by population in the Census Bureau's Vintage 2024 estimates, at 100,128 residents, up about 2.9% from the April 2020 estimates base of 97,294.