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Flood Figures

ZIP 33304 flood insurance data

Computed from OpenFEMA FIMA NFIP Redacted Policies (v2) and OpenFEMA FIMA NFIP Redacted Claims (v2). Policy data as of June 1, 2026; claims recorded through June 1, 2026.

As of June 1, 2026, 4,527 NFIP flood insurance policies are in force in ZIP 33304 (Fort Lauderdale, FL), with 400 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,527
Median annual premium
$1,205
premium only
Median annual cost
$1,556
premium + fees & surcharges
Mean annual premium
$1,916
premium only
Policies in SFHA zones
86.4%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,025,317,400
Contents coverage in force
$120,452,000

"Premium" is the policy premium alone; "cost" adds federal fees and surcharges. In-force counts are an approximation derived from policy effective, termination, and cancellation dates — see methodology.

Flood zones of insured properties

NFIP policies in ZIP 33304 by rated flood zone
Policies Share Share bar
AE 3,663 80.9%
X 584 12.9%
AH 153 3.4%
VE 70 1.5%
AO 29 0.6%
AHB 24 0.5%
A 4 0.1%

Distribution of insured properties by the flood zone used in their policy rating — not a map of land area. Numbered zones (A1–A30, V1–V30) and Zones B and C appear on older FEMA map panels; B and C correspond to today's shaded and unshaded Zone X.

What the policies cover

NFIP policies in ZIP 33304 by occupancy type
Policies Share Share bar
Multi-unit buildings 2,877 63.6%
Single-family homes 1,216 26.9%
Units in multi-unit buildings 219 4.8%
Non-residential buildings 215 4.7%

Claims history since 1978

Claims since 1978
400
Total paid
$7,249,055
Paid on buildings
$6,366,651
Paid on contents
$882,404
NFIP claims filed per year in ZIP 33304, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $0
1979 12 $51,358
1980 2 $0
1981 2 $0
1982 1 $760
1983 5 $19,918
1984 4 $0
1985 1 $0
1986 6 $12,244
1990 1 $12,421
1991 1 $669
1992 11 $28,458
1993 5 $23,912
1994 3 $7,590
1997 1 $4,528
1998 6 $26,729
1999 38 $240,133
2000 1 $82,028
2001 3 $3,154
2002 2 $13,932
2003 4 $2,143
2004 12 $105,712
2005 21 $102,797
2006 1 $0
2007 1 $0
2008 3 $18,096
2009 5 $50,107
2010 3 $5,655
2011 39 $740,799
2012 6 $80,836
2013 2 $3,309
2015 1 $0
2017 39 $703,716
2018 1 $0
2019 5 $28,012
2020 37 $710,901
2021 1 $0
2022 1 $0
2023 92 $3,869,039
2024 16 $255,090
2025 4 $45,009

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2023 92 $3,869,039
2011 39 $740,799
2020 37 $710,901

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