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Flood Figures

ZIP 33305 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, 3,328 NFIP flood insurance policies are in force in ZIP 33305 (Fort Lauderdale, FL), with 480 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,328
Median annual premium
$1,169
premium only
Median annual cost
$1,510
premium + fees & surcharges
Mean annual premium
$1,814
premium only
Policies in SFHA zones
89.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$702,105,200
Contents coverage in force
$130,524,000

"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 33305 by rated flood zone
Policies Share Share bar
AE 2,685 80.7%
X 506 15.2%
AH 95 2.9%
AHB 19 0.6%
VE 15 0.5%
AO 6 0.2%
A 2 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 33305 by occupancy type
Policies Share Share bar
Multi-unit buildings 1,545 46.4%
Single-family homes 1,518 45.6%
Units in multi-unit buildings 171 5.1%
Non-residential buildings 94 2.8%

Claims history since 1978

Claims since 1978
480
Total paid
$7,108,149
Paid on buildings
$6,141,590
Paid on contents
$966,559
NFIP claims filed per year in ZIP 33305, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $40,000
1979 14 $4,957
1981 1 $0
1982 2 $572
1983 4 $3,492
1984 1 $0
1985 1 $0
1986 2 $7,252
1991 5 $5,173
1992 18 $218,739
1994 6 $74,960
1995 2 $0
1996 2 $3,025
1997 1 $1,536
1998 7 $3,166
1999 51 $244,715
2000 2 $0
2001 4 $6,770
2002 2 $3,290
2003 5 $21,516
2004 5 $18,005
2005 41 $94,938
2007 1 $0
2008 1 $0
2009 1 $0
2011 135 $3,271,423
2012 2 $0
2013 4 $0
2014 2 $0
2017 31 $321,151
2019 6 $96,811
2020 39 $431,542
2022 9 $107,606
2023 58 $1,783,255
2024 8 $16,745
2025 6 $327,510

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2011 135 $3,271,423
2023 58 $1,783,255
2020 39 $431,542

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