How to Get Flood Insurance in Broward County, Florida
If you live in Broward County, Florida, you know the region is known for its coasts and accessible beaches. But with that proximity to water comes flood risk. You may remember when a foot of rainfall in November 2020 caused massive flooding in Broward County. Some reports even noted the streets looked like canals.
That’s why flood insurance is so important. The National Flood Insurance Program (NFIP) used to be the only game in town, but you can now add on flood insurance with Kin. You can see how our rates compare to the NFIP for Florida below.
Average Florida Flood Insurance Premiums by Company
| Kin Insurance |
NFIP |
| $255 |
$563 |
Fortunately, Broward County homeowners can save up to 60 percent on their flood insurance with Kin compared to the NFIP.
Broward County Flood Insurance Costs
Unlike an NFIP, Kin’s Florida flood coverage is effective immediately and can be added on to your home insurance policy. That means you have one deductible and one premium for home and flood insurance.
On average, Broward County flood insurance costs $294 a year with Kin – that’s nearly 60 percent cheaper than the NFIP’s $470 a year.
Broward County Average Flood Insurance Premiums
| Kin Average Premium |
NFIP Average Premium |
| $294 |
$470 |
Average costs can help you plan for your coverage needs, but your rates may vary depending on your flood zone and other factors. To know exactly what your flood coverage will cost, get a quote!
Broward County Flood Zones
According to the Broward County flood zone map, the region has the following flood zones:
Flood zones AH, AE, and AO are all high risk for flooding. In fact, AH and AE flood zones have a predicted 26 percent chance of shallow flooding over a 30-year mortgage period. Flood zone V indicates a high-risk coastal zone.
Only a minor portion of the county contains zone X, which is a low or moderate risk flood zone.
What Does Broward County Flood Insurance Cover?
Flood insurance kicks in when your home experiences flooding that originates from a storm or rising waters. It can help pay to replace or repair:
- High-value items
- Personal property
- Electrical, heating, cooling, and plumbing systems
- Household appliances
- Carpeting and window treatments
- Detached garages
- Built-in bookcases, cabinets, and paneling
- Foundation, walls, stairs
Broken water mains can cause groundwater seepage, mudslides, and flooding. Flood insurance can protect you in these situations, too. Our flood coverage insures your home, other structures, and personal property for their replacement cost up to the limits of your homeowners policy.
Tips to Reduce Your Home's Flood Risk
The easiest way to keep flood insurance costs down over time? Make your home more resilient to flood damage. Here are a few tips to reduce your home’s flood risk:
- Keep up on property repairs.
- Raise your belongings above the property's base flood elevation – the height to which flood waters are expected to rise.
- Find your home's flood risks with Flood Factor.
