Home Insurance in Southwest Ranches, Florida
Homes in Southwest Ranches carry a median value of $906,500 - 119% higher than the Broward County median.
The typical home in Southwest Ranches was built around 1982. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 3% of homes were built before 1960, about 8 points below Broward County's 11%.
The housing stock in Southwest Ranches is 99% single-family homes and 1% apartments in buildings with 5+ units.
About 61% of owner-occupied homes in Southwest Ranches have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Southwest Ranches has an owner-occupancy rate of 96% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Southwest Ranches, 93% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Southwest Ranches? 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 | $906,500 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)