Homeowners Insurance in Fort Lauderdale, FL

For a home at Fort Lauderdale's median value of $486,700, we estimate about $3,485 a year — +25% versus the Florida NAIC average of $2,779.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Fort Lauderdale

Est. premium

$3,485

$290/mo · median home

Median home value

$486,700

Florida: $359,000

Median year built

1973

Census ACS

Owner-occupied

54.1%

of households

Hazard score

74.5

state ref. 77.2

Fort Lauderdale's estimate reflects its home values (36% higher than the state median) and FEMA's hazard profile for Broward County.

Natural hazard risk in Fort Lauderdale

FEMA National Risk Index — Broward County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Low	34.2	Comprehensive (car); roof claims (home)
Tornado	Relatively High	96.3	Comprehensive; dwelling
Hurricane	Very High	99.8	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Very High	99.4	Comprehensive; home needs a separate flood policy
Coastal flooding	Very High	97.0	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	80.3	Comprehensive; dwelling
Winter weather	Not rated	0.0	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	97.0	Comprehensive; dwelling
Earthquake	Very Low	40.9	Home needs a separate earthquake policy
Lightning	Very High	100.0	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Fort Lauderdale

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,710	$1,575
$300,000	$2,370	$2,180
$500,000	$3,565	$3,280
$750,000	$4,930	$4,535

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance by ZIP code in Fort Lauderdale

ZIP	Median home value	Owner-occupied	Est. premium
33311	$309,300	47.2%	$2,425
33312	$423,300	63.7%	$3,120
33309	$337,700	59.1%	$2,605
33308	$564,900	73.4%	$3,930
33301	$884,800	37.2%	$5,625
33304	$654,500	39.5%	$4,420
33315	$498,100	52.7%	$3,550
33305	$640,400	67.2%	$4,345
33316	$839,500	57.4%	$5,395
33306	$486,000	74.0%	$3,485

Homeowners insurance in Florida · Car insurance in Fort Lauderdale · Insurance offices near Fort Lauderdale

Frequently asked questions

How much is homeowners insurance in Fort Lauderdale?

For a home at Fort Lauderdale's median value of $486,700, we estimate about $3,485 a year for a standard HO-3 policy with a $1,000 deductible. The Florida NAIC average is $2,779.

What are the biggest natural hazards in Fort Lauderdale?

FEMA's National Risk Index rates Broward County relatively high or very high for tornado, hurricane, inland (river) flooding, coastal flooding, and lightning.

Does the age of homes in Fort Lauderdale affect insurance?

Yes. The median home in Fort Lauderdale was built in 1973 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Florida, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Broward County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page