Home Insurance in Coconut Creek, Florida
With a median home value of $309,600, Coconut Creek is 25% lower than the Broward County median.
The typical home in Coconut Creek was built around 1989. About 1% of homes were built before 1960, about 10 points below Broward County's 11%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Coconut Creek is 38% single-family homes, 50% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
57% of owner-occupied homes in Coconut Creek carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Coconut Creek has an owner-occupancy rate of 65% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Coconut Creek - 93% - are primarily heated with electricity.
Broward County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. Broward County had 227,930 active NFIP flood policies as of September 2026. See the full Broward County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Florida is $2,779 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $309,600 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Broward County | 227,930 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Nearby towns
- Margate
- Pompano Beach
- Deerfield Beach
- Coral Springs
- Parkland
- North Lauderdale
- Lighthouse Point
- Hillsboro Beach
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)