Home insurance in Miami Lakes, Florida
Miami Lakes is in Miami-Dade County, with about 33,247 residents (Census 2024 estimate). A planned community built from the 1960s around man-made lakes. For insurance, that means river or lake flooding in low-lying parts of the city, with roof age and wind mitigation driving most quotes.
County Miami-Dade CountyPopulation (2024 est.) 33,247Florida rank #90Water exposure river/lake
Do I need flood insurance in Miami Lakes?
FEMA A zones in Miami Lakes are mostly along rivers, lakes and drainage areas, with X zones elsewhere. A homeowners policy excludes flood; check your address at the FEMA Flood Map Service Center.
Do building codes affect insurance in Miami Lakes?
Miami-Dade 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.
Which hurricanes have affected Miami Lakes?
At the county level: Andrew (1992) made landfall near Homestead as a Category 5; Irma (2017) and Wilma (2005) also caused widespread damage.
Homes near the water should treat flood as a separate decision from wind.
Shopping for home insurance in Miami Lakes? Your request goes only to Nymble Insurance, a licensed Florida agency. We quote every applicant and compare options on matching coverage.
Start a private quote Call (813) 291-3484How big is Miami Lakes?
Miami Lakes ranks #90 among Florida cities by population in the Census Bureau's Vintage 2024 estimates, at 33,247 residents, up about 9.1% from the April 2020 estimates base of 30,460.
What makes insuring a home in Miami Lakes different?
A planned community built from the 1960s around man-made lakes.
Within the city, elevation, distance to water and the age of the roof often matter more than the ZIP code alone.
Frequently asked questions
Is FMAP.insure affiliated with FMAP or the City of Miami Lakes?
No. FMAP.insure is run by Nymble Insurance LLC, a licensed Florida agency. It is not FMAP, Citizens, or any government. The official FMAP is at fmap.org.
Who will see my information if I request a quote for my Miami Lakes home here?
Only Nymble Insurance. We do not sell your request or pass it to other agencies. Carriers we quote with receive the details needed to quote.
Can you quote a Miami Lakes home that is with Citizens?
Yes. We quote every applicant, including Citizens policyholders and homeowners with takeout offers, and compare options on matching coverage.
Back to Miami-Dade County home insurance · Nearby: Miami, Hialeah, Miami Gardens, Homestead, Doral, Miami Beach