Home Insurance in Lauderdale Lakes, Florida
With a median home value of $214,100, Lauderdale Lakes is 48% lower than the Broward County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Lauderdale Lakes was built around 1976. About 4% of homes were built before 1960, about 7 points below Broward County's 11%.
The housing stock in Lauderdale Lakes is 31% single-family homes, 65% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Lauderdale Lakes, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 48% of occupied homes in Lauderdale Lakes are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
94% of homes in Lauderdale Lakes 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.
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 | $214,100 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 48% |
| 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
- North Lauderdale
- Lazy Lake
- Sunrise
- Fort Lauderdale
- Wilton Manors
- Tamarac
- Margate
- Lauderdale-by-the-Sea
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)