Home Insurance in Miramar, Florida
Homes in Miramar carry a median value of $462,700 - 12% higher than the Broward County median.
The typical home in Miramar was built around 1996. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 7% of homes were built before 1960, about 4 points below Broward County's 11%.
In Miramar, the housing stock is 75% single-family homes, 20% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 66% of owner-occupied homes in Miramar have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Miramar are owner-occupied.
93% of homes in Miramar 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.
In Florida, the statewide average premium for a standard HO-3 homeowners policy is $2,779 per year (NAIC, 2023 data).
Key figures
| Median home value | $462,700 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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
- Pembroke Pines
- Miami Lakes
- Southwest Ranches
- Hialeah Gardens
- Miami Gardens
- Cooper City
- Opa-locka
- Hialeah
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)