Home Insurance in Tamarac, Florida
With a median home value of $288,600, Tamarac is 30% lower than the Broward County median.
The typical home in Tamarac was built around 1981. 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%.
In Tamarac, the housing stock is 50% single-family homes and 44% apartments in buildings with 5+ units.
In Tamarac, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 76% of occupied homes in Tamarac are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Tamarac - 91% - 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.
The statewide average premium for a standard HO-3 homeowners policy in Florida is $2,779 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $288,600 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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
- Sunrise
- North Lauderdale
- Margate
- Lauderdale Lakes
- Coral Springs
- Coconut Creek
- Lazy Lake
- 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)