Home Insurance in Sea Ranch Lakes, Florida
Sea Ranch Lakes's median home value is $2,000,000+.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Sea Ranch Lakes was built around 1968. About 15% of homes were built before 1960, about 4 points above Broward County's 11%.
In Sea Ranch Lakes, the housing stock is 97% single-family homes and 3% apartments in buildings with 5+ units.
In Sea Ranch Lakes, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 97% of occupied homes in Sea Ranch Lakes are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
94% of homes in Sea Ranch Lakes are primarily heated with electricity.
Broward County had 227,930 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). 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 | $2,000,000+ |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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
- Lauderdale-by-the-Sea
- Pompano Beach
- Wilton Manors
- Lazy Lake
- Fort Lauderdale
- Lighthouse Point
- Hillsboro Beach
- Lauderdale Lakes
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)