Coral Springs, FL Flood Zone Map
Last updated: August 2026
Coral Springs in northwestern Broward County faces flooding challenges from the C-14 canal and the Sawgrass Expressway corridor, where proximity to the Everglades creates persistent drainage difficulties. The flat terrain and high water table make the area susceptible to widespread shallow flooding during heavy rain events.
Broward County has recorded 35,042 NFIP flood insurance claims since 1978, totaling $458.1M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 4
NFIP Policies
262,531
Broward County
Avg. Premium
$581/yr
Broward County
NFIP Flood Insurance Claims: Broward County
Properties in Broward County have filed 35,042 NFIP flood insurance claims totaling $458.1M in payouts since 1978. The average claim payout is $13K.
Highest-Claim Years
1999
6,520 claims - $19.4M
2005
4,853 claims - $12.3M
2023
3,723 claims - $250.5M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data.
Flood Insurance Coverage: Broward County
Only roughly 1 in 3 households in Broward County carries NFIP flood insurance (34% of estimated households).
Penetration Rate
34%
roughly 1 in 3 households
Historical Claims Ratio
1 in 8
35,042 claims over 45+ years across 262,531 current policies
Avg. Claim Payout
$13,072
Per claim, county-wide since 1978
Historically, Broward County has averaged 1 claim for every 8 active policies (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of August 2026, claims since 1978 (August 2026), population from FEMA NRI. All figures are county-wide and include Coral Springs.
Not sure whether you're required to carry it? See do I need flood insurance?, or compare NFIP vs. private flood insurance.
Repetitive Loss Properties: Broward County
Broward County has 1,517 properties with multiple flood insurance losses, including 225 severe repetitive loss properties. 23 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced August 2026.
Multiple Loss
1,517
2+ claims within 10 years
Severe Repetitive Loss
225
4+ claims or 2 exceeding value
Mitigated
23
Received FEMA mitigation
By Flood Zone
Zone data available for 1,503 of 1,517 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced August 2026.
Flood Insurance Discount: Coral Springs
Coral Springs participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 8
SFHA Premium Discount
10% off
CRS classes range from 1 (best) to 10 (no discount). Coral Springs's Class 8 rating means NFIP policyholders in the SFHA can receive up to a 10% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.
Federal Flood Disaster History: Broward County
Broward County has been included in 26 federal flood-related disaster declarations.
...and 18 earlier declarations since 2004.
These declarations affected communities across Broward County, including Coral Springs.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.
Recorded Flood Events: Broward County
NOAA has recorded 110 flood events in Broward County since 1996, causing $108.0M in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.
Flood Mitigation: Broward County
FEMA has funded mitigation for 405 properties in Broward County, investing $92.0M in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced August 2026. FEMA records a total payment per grant rather than per property, so the dollar figure is an estimate that splits each grant across the properties it covers; the property count is exact.
Levee Protection: Coral Springs
The USACE National Levee Database lists 1 levee system protecting parts of Coral Springs. A system's FEMA accreditation status determines how its protected area is mapped: accredited levees are typically mapped as Zone X, while non-accredited or provisionally accredited systems generally leave their protected area in the Special Flood Hazard Area (often Zone AR or A99) until certification is complete.
Broward Effective Firm Levees 19
Non-AccreditedProtects against: Ocean/Everglades - Sponsor: South Florida Water Management District - 6.42 sq mi protected
Source: USACE National Levee Database. Data sourced August 2026. Learn how levees affect flood zone mapping.
FEMA Flood Risk Profile: Broward County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Very HighEst. annual loss: $289.0M
Coastal Flood Risk
Very HighEst. annual loss: $14.1M
Hurricane Risk
Very HighEst. annual loss: $280.4M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
What Your Flood Zone Means in Coral Springs
Coral Springs faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Coral Springs are Zone AE, Zone AH, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $289.0M. The county is rated "Very High" for coastal flood risk by FEMA's National Risk Index.
Riverine flood risk in Coral Springs is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Coral Springs address.
Coral Springs, FL Flood Zone FAQ
What flood zones are in Coral Springs, FL?
The most common FEMA flood zones in Coral Springs are Zone AE, Zone AH, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Coral Springs?
If your Coral Springs property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since about a quarter of all NFIP flood claims come from properties outside high-risk zones.
How do I check my flood zone in Coral Springs?
Enter your Coral Springs address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Coral Springs offer flood insurance discounts?
Yes. Coral Springs participates in FEMA's Community Rating System (CRS) with a Class 8 rating, qualifying residents in the Special Flood Hazard Area for up to a 10% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Coral Springs experienced major flooding events?
Broward County, where Coral Springs is located, has been part of 26 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Milton in 2024. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Coral Springs?
Broward County has recorded 35,042 NFIP flood insurance claims totaling $458.1M in payouts since 1978. The year with the most claims was 1999, with 6,520 claims and $19.4M in payouts. These figures cover all NFIP claims in the county, including Coral Springs.
How many flood insurance policies are there in Coral Springs?
Broward County had 262,531 NFIP flood insurance policies written or renewed over the trailing 13 months, with an average annual premium of $581. The most policies are in Zone AE (156,730 policies). These are county-level counts of policies written or renewed in the trailing 13 months, not a point-in-time count of policies in force - a policy renewed inside that window is counted twice.
How many Coral Springs properties have flooded repeatedly?
Broward County has 1,517 properties with multiple flood losses on record, including 225 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Is Coral Springs protected by a levee?
Yes. The USACE National Levee Database lists 1 levee system protecting parts of Coral Springs (Broward Effective Firm Levees 19). None currently carry full FEMA accreditation, which typically keeps the protected area within the Special Flood Hazard Area (often Zone AR or A99) until the levee is certified. Levee protection is system-specific, not city-wide - check the address search above for the zone at a specific property.
Can my Coral Springs property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Coral Springs?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Coral Springs's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other Florida Cities
Understanding Flood Zones
See the Flood Map for Any Coral Springs, FL Address
Enter a Coral Springs, FL address to view its FEMA flood map, zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on August 2026 and may not reflect the most recent changes. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.