Home Insurance in Hallandale Beach, Florida
With a median home value of $279,100, Hallandale Beach is 33% lower than the Broward County median.
The typical home in Hallandale Beach was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 10% of homes were built before 1960, in line with Broward County (11%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hallandale Beach is 13% single-family homes, 78% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
33% of owner-occupied homes in Hallandale Beach carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hallandale Beach has an owner-occupancy rate of 55% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
87% of homes in Hallandale Beach 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.
In Florida, the statewide average premium for a standard HO-3 homeowners policy is $2,779 per year (NAIC, 2023 data).
Key figures
| Median home value | $279,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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
- Aventura
- Golden Beach
- Pembroke Park
- West Park
- Sunny Isles Beach
- Hollywood
- North Miami Beach
- Dania 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)