Home Insurance in Lauderdale-by-the-Sea, Florida
Homes in Lauderdale-by-the-Sea carry a median value of $680,900 - 64% higher than the Broward County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Lauderdale-by-the-Sea was built around 1972. About 12% of homes were built before 1960, about 2 points above Broward County's 11%.
In Lauderdale-by-the-Sea, the housing stock is 20% single-family homes and 73% apartments in buildings with 5+ units.
About 32% of owner-occupied homes in Lauderdale-by-the-Sea have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 50%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Lauderdale-by-the-Sea are owner-occupied.
90% of homes in Lauderdale-by-the-Sea are primarily heated with electricity.
FEMA rates Broward County's overall risk as Relatively High, led by hurricane (Very High). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Florida carries a statewide average premium of $2,779 per year.
Key figures
| Median home value | $680,900 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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
- Sea Ranch Lakes
- Wilton Manors
- Lazy Lake
- Pompano Beach
- Fort Lauderdale
- Lighthouse Point
- Hillsboro Beach
- Lauderdale Lakes
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)