Home Insurance in Dania Beach, Florida
Homes in Dania Beach carry a median value of $319,800 - 23% lower than the Broward County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dania Beach was built around 1977. About 17% of homes were built before 1960, about 6 points above Broward County's 11%.
In Dania Beach, the housing stock is 30% single-family homes, 41% apartments in buildings with 5+ units and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 55% of owner-occupied homes in Dania Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 47% of occupied homes in Dania Beach are owner-occupied.
In Dania Beach, 89% of homes are primarily heated with electricity.
Broward County had 227,930 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). 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 | $319,800 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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
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)