Home Insurance in Pembroke Park, Florida
The median home value in Pembroke Park is $105,300, 75% lower than the Broward County median.
The typical home in Pembroke Park was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 11% of homes were built before 1960, in line with Broward County (11%).
The housing stock in Pembroke Park is 5% single-family homes, 31% apartments in buildings with 5+ units and 53% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 13% of owner-occupied homes in Pembroke Park have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pembroke Park has an owner-occupancy rate of 32% and a vacancy rate of 33%; unoccupied homes typically need a different coverage form.
In Pembroke Park, 91% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Pembroke Park? 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 | $105,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 32% |
| Share of owner-occupied homes with a mortgage | 13% |
| 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
- West Park
- Hallandale Beach
- Hollywood
- Aventura
- Golden Beach
- North Miami Beach
- Miami Gardens
- 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)