Home Insurance in Pompano Beach, Florida
Homes in Pompano Beach carry a median value of $349,300 - 16% lower than the Broward County median.
The typical home in Pompano Beach was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 15% of homes were built before 1960, about 4 points above Broward County's 11%.
In Pompano Beach, the housing stock is 33% single-family homes, 56% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 50% of owner-occupied homes in Pompano Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pompano Beach has an owner-occupancy rate of 55% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
In Pompano Beach, 91% of homes 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 | $349,300 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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
- Sea Ranch Lakes
- Lighthouse Point
- Lauderdale-by-the-Sea
- Coconut Creek
- Hillsboro Beach
- Margate
- Deerfield Beach
- Wilton Manors
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)