Fort Lauderdale, FL

10 ZIP codes — Florida

Compare quotes in Fort Lauderdale, FL

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Avg Premium (2025 Est.)

$15,210

+24.3% from 2022

Stress Score

67/100

Nonrenewal Rate

0.58%

Insurance/Income

15.2%

ZIP Codes in Fort Lauderdale

ZIP	Avg Premium	Stress Score	Risk
33304	$14,108	79	High
33306	$13,900	73	High
33305	$13,197	72	High
33316	$24,366	71	High
33308	$14,813	66	High
33301	$18,274	65	High
33312	$6,148	64	High
33309	$4,732	61	High
33315	$7,807	59	Elevated
33311	$4,985	55	Elevated

Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.