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Flood Figures

ZIP 33316 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, 3,165 NFIP flood insurance policies are in force in ZIP 33316 (Fort Lauderdale, FL), with 392 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,165
Median annual premium
$1,286
premium only
Median annual cost
$1,680
premium + fees & surcharges
Mean annual premium
$2,065
premium only
Policies in SFHA zones
84.4%
zones A, AE, AH, AO, V, VE
Building coverage in force
$774,509,000
Contents coverage in force
$133,385,000

"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 33316 by rated flood zone
Policies Share Share bar
AE 2,595 82.0%
X 371 11.7%
AH 173 5.5%
AO 16 0.5%
VE 6 0.2%
AHB 3 0.1%
AOB 1 0.0%

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 33316 by occupancy type
Policies Share Share bar
Multi-unit buildings 1,653 52.2%
Single-family homes 963 30.4%
Non-residential buildings 345 10.9%
Units in multi-unit buildings 204 6.4%

Claims history since 1978

Claims since 1978
392
Total paid
$20,647,288
Paid on buildings
$17,860,869
Paid on contents
$2,786,419
NFIP claims filed per year in ZIP 33316, 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 4 $7,494
1981 2 $0
1982 1 $0
1983 1 $0
1984 3 $0
1985 2 $2,452
1986 6 $0
1989 2 $0
1991 3 $2,772
1992 14 $58,662
1993 1 $1,456
1994 2 $6,211
1995 4 $5,428
1996 1 $0
1997 1 $1,107
1998 8 $0
1999 24 $62,624
2000 7 $15,117
2001 1 $0
2003 4 $24,459
2004 4 $0
2005 36 $71,277
2006 2 $9,041
2007 1 $0
2009 4 $0
2011 11 $112,856
2012 4 $6,311
2013 1 $0
2014 2 $3,341
2015 3 $33,236
2017 38 $1,644,431
2018 3 $0
2019 10 $114,161
2020 7 $91,930
2022 1 $0
2023 152 $17,601,319
2024 18 $771,602
2025 3 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2023 152 $17,601,319
2017 38 $1,644,431
2024 18 $771,602

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