Home Insurance in Pembroke Pines, Florida
The median home value in Pembroke Pines is $439,500, 6% higher than the Broward County median.
The typical home in Pembroke Pines was built around 1992. About 2% of homes were built before 1960, about 9 points below Broward County's 11%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Pembroke Pines is 60% single-family homes, 35% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 57% of owner-occupied homes in Pembroke Pines have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pembroke Pines has an owner-occupancy rate of 70% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Pembroke Pines - 92% - are primarily heated with electricity.
Broward County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. 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 | $439,500 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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
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)