Home Insurance in Lighthouse Point, Florida
The median home value in Lighthouse Point is $688,400, 66% higher than the Broward County median.
The typical home in Lighthouse Point was built around 1967. About 24% of homes were built before 1960, about 13 points above Broward County's 11%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Lighthouse Point, the housing stock is 59% single-family homes, 34% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 46% of owner-occupied homes in Lighthouse Point have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Lighthouse Point are owner-occupied.
92% of homes in Lighthouse Point are primarily heated with electricity.
What's the biggest home insurance risk near Lighthouse Point? 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.
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 | $688,400 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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
- Hillsboro Beach
- Deerfield Beach
- Pompano Beach
- Sea Ranch Lakes
- Coconut Creek
- Lauderdale-by-the-Sea
- 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)