Home Insurance in Lazy Lake, Florida
The typical home in Lazy Lake was built around 1958. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 54% of homes were built before 1960, about 43 points above Broward County's 11%.
In Lazy Lake, the housing stock is 100% single-family homes.
About 80% of owner-occupied homes in Lazy Lake have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lazy Lake has an owner-occupancy rate of 38% and a vacancy rate of 46%; unoccupied homes typically need a different coverage form.
In Lazy Lake, 100% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Lazy Lake? FEMA's National Risk Index points to hurricane (Very High) in Broward County and 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.
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 year built | 1958 |
|---|---|
| Owner-occupied share | 38% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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
- Wilton Manors
- Fort Lauderdale
- Lauderdale Lakes
- Lauderdale-by-the-Sea
- Sea Ranch Lakes
- Pompano Beach
- North Lauderdale
- 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)