Home Insurance in Hillsboro Beach, Florida
With a median home value of $681,700, Hillsboro Beach is 64% higher than the Broward County median.
The typical home in Hillsboro Beach was built around 1974. About 11% of homes were built before 1960, in line with Broward County (11%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Hillsboro Beach breaks down to 10% single-family homes and 89% apartments in buildings with 5+ units.
In Hillsboro Beach, about 23% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hillsboro Beach has an owner-occupancy rate of 87% and a vacancy rate of 51%; unoccupied homes typically need a different coverage form.
In Hillsboro Beach, 91% 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 | $681,700 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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
- Lighthouse Point
- Deerfield Beach
- Pompano Beach
- Sea Ranch Lakes
- Lauderdale-by-the-Sea
- Coconut Creek
- Boca Raton
- Margate
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)