Home insurance in Lake Worth Beach, Florida
Lake Worth Beach is in Palm Beach County, with about 44,417 residents (Census 2024 estimate). On the Lake Worth Lagoon, with many 1920s-1950s cottages and bungalows. For insurance, that means waterfront and storm-surge exposure in parts of the city, with roof age and wind mitigation driving most quotes.
County Palm Beach CountyPopulation (2024 est.) 44,417Florida rank #74Water exposure coast
What flood zones are in Lake Worth Beach?
FEMA maps show A and, on open coast, V zones near the water in and around Lake Worth Beach. A homeowners policy excludes flood; check your address at the FEMA Flood Map Service Center.
Has Lake Worth Beach been hit by hurricanes?
At the county level: The 1928 Okeechobee hurricane made landfall in Palm Beach County; Frances and Jeanne (2004) and Wilma (2005) caused widespread damage.
Homes near the water should treat flood as a separate decision from wind.
Do building codes affect insurance in Lake Worth Beach?
Parts of the county, especially areas near the coast, fall in the Florida Building Code's wind-borne debris region, where new construction needs impact-rated openings or shutters. Your building department can confirm whether a given address is inside it.
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.
Shopping for home insurance in Lake Worth Beach? 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) 291-3484What makes insuring a home in Lake Worth Beach different?
On the Lake Worth Lagoon, with many 1920s-1950s cottages and bungalows.
Within the city, elevation, distance to water and the age of the roof often matter more than the ZIP code alone.
Is Lake Worth Beach growing?
Lake Worth Beach ranks #74 among Florida cities by population in the Census Bureau's Vintage 2024 estimates, at 44,417 residents, up about 5.2% from the April 2020 estimates base of 42,202.
Frequently asked questions
Is FMAP.insure affiliated with FMAP or the City of Lake Worth Beach?
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 Lake Worth Beach 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 Lake Worth Beach 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 Palm Beach County home insurance · Nearby: West Palm Beach, Boca Raton, Boynton Beach, Delray Beach, Palm Beach Gardens, Wellington