Flood history · Fort Lauderdale, FL 33316
Flood insurance claims in Fort Lauderdale, FL 33316
392 claims since 1978 and $20.6 million paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 33316 since 1978.
What the record says
Almost all claims here (90%) were on properties in high-risk zones (A or V). In those zones, federally regulated lenders require flood insurance.
Losses are spread across many events; the largest, April Florida Flooding, accounts for 38% of claims.
Flooding here is recent: 232 claims (59%) were in the last 10 years.
The most commonly recorded cause is heavy rain or snowmelt collecting faster than it drains, which can happen far from any river or coast.
Fort Lauderdale, City Of takes part in FEMA's Community Rating System (class 7), which can lower flood insurance premiums by up to 15% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| April Florida Flooding | 2023 | 148 | 38% |
| Hurricane Irma | 2017 | 36 | 9% |
| Hurricane Wilma | 2005 | 30 | 8% |
| Hurricane Irene | 1999 | 20 | 5% |
| Unnamed flooding | 1979 | 18 | 5% |
| June South Florida Flooding | 2024 | 14 | 4% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Broward County
Flood, hurricane and storm declarations since 2000.
23 flood, storm or hurricane declarations for Broward County since 2000.
Check a specific address in Fort Lauderdale.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Nearby Florida ZIP codes
Fort Lauderdale
391 claims · $8.3 million paid
33315Fort Lauderdale
1,402 claims · $81.0 million paid
33304Fort Lauderdale
400 claims · $7.2 million paid
33305Fort Lauderdale
480 claims · $7.1 million paid
33312Fort Lauderdale
1,800 claims · $78.5 million paid
33308Fort Lauderdale
414 claims · $5.0 million paid
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.