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Flood Figures

ZIP 33321 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, 4,671 NFIP flood insurance policies are in force in ZIP 33321 (Fort Lauderdale, FL), with 871 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,671
Median annual premium
$473
premium only
Median annual cost
$648
premium + fees & surcharges
Mean annual premium
$507
premium only
Policies in SFHA zones
70.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,002,324,600
Contents coverage in force
$186,925,000

"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 33321 by rated flood zone
Policies Share Share bar
AH 3,007 64.4%
X 1,549 33.2%
AE 76 1.6%
AHB 38 0.8%
A 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 33321 by occupancy type
Policies Share Share bar
Single-family homes 2,224 47.6%
Multi-unit buildings 1,912 40.9%
Units in multi-unit buildings 411 8.8%
Non-residential buildings 124 2.7%

Claims history since 1978

Claims since 1978
871
Total paid
$1,404,050
Paid on buildings
$1,229,607
Paid on contents
$174,443
NFIP claims filed per year in ZIP 33321, 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 80 $13,448
1980 4 $0
1981 44 $26,723
1982 4 $1,958
1983 7 $1,964
1984 3 $0
1985 4 $819
1986 7 $0
1987 3 $109
1988 7 $794
1989 1 $0
1991 8 $0
1992 10 $1,419
1993 7 $34,753
1994 23 $25,981
1995 10 $5,657
1996 5 $0
1997 3 $0
1998 2 $0
1999 114 $185,205
2000 17 $6,416
2001 12 $9,592
2002 9 $11,916
2003 9 $9,792
2004 44 $21,055
2005 185 $331,098
2006 12 $6,332
2007 7 $0
2008 5 $0
2009 14 $15,384
2010 6 $7,760
2011 17 $23,154
2012 55 $119,429
2013 6 $20,274
2014 8 $5,762
2015 3 $0
2016 6 $1,342
2017 84 $393,569
2018 2 $11,725
2019 2 $0
2020 14 $66,729
2023 3 $24,940
2024 3 $18,950
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 84 $393,569
2005 185 $331,098
1999 114 $185,205

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