City Risk Report
Fort Lauderdale, FL
Broward County · Pop. 182,760
County-level composite · does not reflect parcel-specific conditions
Fort Lauderdale buyers should weigh wind, flood, and residual-market costs as heavily as list price.
Editorial review: 2026-06-19 · Data retrieved: Jun 19, 2026 at 00:00 UTC (snapshot of historical values) · For the latest live data, run a lookup on the Snapshot tool.
Overall Risk Score
Top 5% most at-risk nationally
County-level composite · does not reflect parcel-specific conditions
Overall Risk
Top 5% most at-risk nationally
County-level composite · does not reflect parcel-specific conditions
Expected Annual Loss
Top 5% most at-risk nationally
Extreme · county composite
Est. Annual Insurance
$2,630 – $6,880
Directional range
Last Major Event
2023
April rainfall flooding
Insurance Market Context
These scores are county-level composites derived from FEMA National Risk Index. Individual parcels may differ significantly. This is not a property appraisal.
Market Pressure
SEVERE
Florida's admitted-carrier market is severely contracted. A broker who specializes in last-resort coverage (state FAIR Plan or residual market) is essential.
Admitted Market Share
48%
Carriers exiting at 11.2% YoY in Florida.
Residual Market
$3,682–$9,632
annual · last-resort
FAIR Plan / Citizens exposure up 312% since 2020.
Premium Strain Index
Insurance is roughly 6.3% of median household income — the First Street 12th National Risk Assessment characterizes anything above 5% as financially unsustainable.
Premium-to-income ratio. Based on state Department of Insurance filings, average annual premiums in this area range from $2,630 to $6,880. Not an insurance quote. The First Street 12th National Risk Assessment characterizes any ZIP above 5% as financially unsustainable.
Broward County Hazard Breakdown
Scores below are from the federal National Risk Index at the county level, refined with parcel-level signals where available (FEMA NFHL for flood, USDA WHP for wildfire, USGS PGA for earthquake, NWS for heat).
Top 5% most at-risk nationally
Hurricane
ExtremeAround the national median
Earthquake
ModerateTop 5% most at-risk nationally
Extreme Heat
ExtremeTop 5% most at-risk nationally
Flood
ExtremeTop 5% most at-risk nationally
Wildfire
ExtremeData pending
Severe Storm / Tornado
Low riskLocal Flood Risk Cost Estimator
Flood insurance costs in Fort Lauderdale, FL
In Fort Lauderdale, FL, the directional annual NFIP flood insurance premium is approximately $2,198 (range $1,500–$3,500), and the estimated average historical flood claim in Broward County is $80,028. Typical mapped exposure aligns with Zone A / AE (SFHA) (county flood percentile: 99).
- NFIP premium (mid)
- $2,198/yr
- Monthly escrow slice
- $125–$292/mo
- Avg. paid claim
- $80,028
- Lender may require
- Likely yes (SFHA)
Hurricane Windstorm Deductible Estimator
Named windstorm deductible exposure in Fort Lauderdale, FL
In Fort Lauderdale, FL, a 5% hurricane / windstorm deductible on a $450,000 insured dwelling implies roughly $22,500 out-of-pocket before the carrier pays (hurricane percentile: 100).
- Deductible %
- 5%
- Out-of-pocket
- $22,500
- Emergency fund target
- $33,750
Heat & HVAC Holding-Cost Estimator
Extreme heat carrying costs in Fort Lauderdale, FL
In Fort Lauderdale, FL, directional summer utility strain adds roughly $473/yr above a moderate-climate baseline (heat percentile: 99). Over 10 years, modeled hidden heat + HVAC costs land near $14,330 — about $1,433/yr to budget for cooling and accelerated equipment wear.
- Est. monthly electric
- $183/mo
- Annual heat tax
- $473/yr
- 10-yr hidden cost
- $14,330
Wildfire & FAIR Plan Stress Test
Wildfire insurance non-renewal risk in Fort Lauderdale, FL
In Fort Lauderdale, FL, admitted-carrier withdrawal could push coverage through Citizens Property Insurance Corporation at roughly $13,076/yr — about +$8,321/yr vs. a $4,755 baseline (wildfire percentile: 97).
Non-renewal risk: severe
- Baseline premium
- $4,755/yr
- Residual market est.
- $13,076/yr
- Annual uplift
- +$8,321/yr
What each hazard means for you
Expand any card to see the federal source citation and the buyer-specific action items our research team recommends for this hazard profile.
Hurricane Risk
Fort Lauderdale ranks in the 100th national percentile for hurricane exposure in the FEMA National Risk Index.
FEMA · National Risk Index
Earthquake Risk
Fort Lauderdale ranks in the 41th national percentile for earthquake exposure in the FEMA National Risk Index.
FEMA · National Risk Index
Extreme Heat
Fort Lauderdale ranks in the 99th national percentile for heat exposure in the FEMA National Risk Index.
FEMA · National Risk Index
Flood Risk
Fort Lauderdale ranks in the 99th national percentile for flood exposure in the FEMA National Risk Index.
FEMA · National Risk Index
Wildfire Risk
Fort Lauderdale ranks in the 97th national percentile for wildfire exposure in the FEMA National Risk Index.
FEMA · National Risk Index
Severe Storm / Tornado
Fort Lauderdale tornado data is unavailable. Run an address lookup for parcel-specific assessment.
FEMA · National Risk Index
FEMA Flood Zone
Is this specific parcel in a Special Flood Hazard Area?
The free address snapshot queries FEMA NFHL point-in-polygon and returns your exact FEMA Flood Zone (A, AE, X, etc.) in seconds.
Run a free address lookupCarrier Outlook
Florida's admitted-carrier market is severely contracted. A broker who specializes in last-resort coverage (state FAIR Plan or residual market) is essential.
Data Sources
Data Sources & Methodology
FEMA— National Risk Index
Retrieved June 19, 2026
Editorial Analysis
Fort Lauderdale, Broward County has an overall National Risk Index score of 99 and an expected annual loss score of 99, placing it in the extreme national risk band. The dominant local perils are hurricane, extreme heat, flood. The city-level scores below are county-level composites; actual parcel risk can differ meaningfully by neighborhood, elevation, and lot characteristics. Fort Lauderdale's hurricane risk scores 100 at the 100th national percentile, placing it in the extreme band. This is among the highest exposure nationally; standard-market underwriting is increasingly selective and residual-market backup plans are worth modeling. Buyers should review wind mitigation reports, roof age, and storm-surge evacuation zone. Fort Lauderdale's extreme heat risk scores 99 at the 99th national percentile, placing it in the extreme band. This is among the highest exposure nationally; standard-market underwriting is increasingly selective and residual-market backup plans are worth modeling. Buyers should model long-term cooling costs, insulation, and grid reliability. Fort Lauderdale's flood risk scores 99 at the 99th national percentile, placing it in the extreme band. This is among the highest exposure nationally; standard-market underwriting is increasingly selective and residual-market backup plans are worth modeling. Buyers should check FEMA flood zone status, elevation certificate, and drainage history. The Florida insurance market is currently under severe pressure: admitted carriers write roughly 48% of new business and the residual market has grown roughly 312% since 2020. For higher-risk parcels in Fort Lauderdale, the residual market can run from $4,200 to $11,500 annually. Directional standard-market premiums for the city typically range from $2,630 to $6,880, but parcel-specific factors can move quotes well outside that band. Buyers should use the address-level snapshot tool to pin these citywide averages to the specific property under consideration. A full L2 or L3 report will also surface flood zone status, insurance-market pressure, and action items tied to the exact parcel.
— Open Data Collective
Historical Events
April rainfall flooding
Extreme rainfall flooded roads, neighborhoods, and airport operations.
Hurricane Irma
Wind damage and infrastructure outages reinforced vulnerability in older neighborhoods.
ZIP Code Risk Profile
Representative ZIP Codes
33301
Fort Lauderdale area
33304
Fort Lauderdale area
33305
Fort Lauderdale area
33306
Fort Lauderdale area
33308
Fort Lauderdale area
33309
Fort Lauderdale area
33311
Fort Lauderdale area
33312
Fort Lauderdale area
33313
Fort Lauderdale area
33314
Fort Lauderdale area
33315
Fort Lauderdale area
33316
Fort Lauderdale area
33317
Fort Lauderdale area
33319
Fort Lauderdale area
33321
Fort Lauderdale area
33322
Fort Lauderdale area
33323
Fort Lauderdale area
33324
Fort Lauderdale area
33325
Fort Lauderdale area
33326
Fort Lauderdale area
33327
Fort Lauderdale area
33328
Fort Lauderdale area
33330
Fort Lauderdale area
33331
Fort Lauderdale area
33332
Fort Lauderdale area
33334
Fort Lauderdale area
33351
Fort Lauderdale area
Risk varies significantly by ZIP code and parcel. Use the address-level report for precise, parcel-specific scores rather than city-wide averages.
NRI Score Components
County-level composite · does not reflect parcel-specific conditions
Fort Lauderdale Climate Risk FAQ
Ready to check your specific address?
Considering buying in Fort Lauderdale?
Two tiers, one funnel: run a free address lookup, then unlock the depth that fits your buying stage. Both options deliver a 12+ page climate brief before you go under contract.
Full Report
Tier L2
Address-level hazard and insurance feasibility snapshot — five hazards, 30-year projections, carrier pressure signals, and a buy / negotiate / walk-away read for pre-offer buyers. PDF delivered within 5 minutes.
- Five-hazard score breakdown: flood, wildfire, hurricane, earthquake, heat
- 30-year federal climate projections for heat, wildfire, and sea level rise
- Insurance premium estimate range based on state DOI filings
- Clear buy / negotiate / walk-away recommendation with plain-language reasoning
- Comparable lower-risk communities within 25 miles (up to 3 when available)
- Plain-English explanations of SFHA, BFE, residual market, and other insurance terms
- Single PDF you can share with your partner, agent, or inspector
Best for: pre-offer sanity check
Delivered: PDF by email within 5 minutes
Federal data: FEMA, USGS, NOAA, USDA, EPA
Delivered by email within 5 minutes of payment.
Pre-Purchase Audit
Tier L3
Under-contract diligence package: parcel flood zone verification, state insurance market analysis, NOAA claim history, and an evidence-backed negotiation brief to assess earnest-money risk. PDF delivered within 24 hours.
- Everything in the $19 Full Report
- Parcel-level FEMA flood zone verification (Zone A/AE/VE/X — point-in-polygon)
- State insurance market analysis: admitted carrier share, exit rate, residual market growth
- Premium Strain Index — insurance cost as % of local median income, with 2% / 5% affordability benchmarks
- 10-year NOAA Storm Events claim history for the ZIP code
- Negotiation leverage brief with specific, evidence-backed seller-concession asks (typically 3–5; fewer when data is limited)
- Total carrying cost estimate: HO-3 baseline + standalone perils + residual market fallback
- Identifies whether the property may become hard to insure before you close
- Gives you specific talking points for price, credits, and contingency negotiation
Best for: under-contract buyers
Delivered: PDF by email within 24 hours
Includes: 7-day no-questions-asked refund
Delivered by email within 24 hours of payment.