Lauderhill, Florida Flood Zones
Last updated: March 2026
Lauderhill faces inland flooding from the C-13 canal and North New River Canal system in central Broward County. Heavy tropical rainfall overwhelms the canal drainage network and causes flooding in residential neighborhoods.
Broward County has recorded 35,020 NFIP flood insurance claims since 1978, totaling $457.6M 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
258,494
Broward County
Avg. Premium
$561/yr
Broward County
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.
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 Lauderhill.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Broward County
Properties in Broward County have filed 35,020 NFIP flood insurance claims totaling $457.6M 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 - $250.3M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Broward County
An estimated 34% of households in Broward County carry NFIP flood insurance.
Penetration Rate
34%
Claims Ratio
1 in 7
policies have filed a claim
Avg. Claim Payout
$13,067
Derived from FEMA NRI population data and OpenFEMA NFIP policy/claims records.
Repetitive Loss Properties: Broward County
Broward County has 1,513 properties with multiple flood losses, including 225 severe repetitive loss properties. 22 properties have been mitigated.
Multiple Loss
1,513
Severe Rep. Loss
225
Mitigated
22
By Flood Zone
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 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 March 2026.
Flood Mitigation: Broward County
FEMA has funded mitigation for 396 properties in Broward County, investing $42.3M in flood risk reduction.
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
What Your Flood Zone Means in Lauderhill
Lauderhill 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 Lauderhill 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 Lauderhill 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 Lauderhill address.
Flood Insurance Discount: Lauderhill
Lauderhill 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 7
SFHA Premium Discount
15% off
CRS classes range from 1 (best) to 10 (no discount). Lauderhill's Class 7 rating means NFIP policyholders in the SFHA can receive up to a 15% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Lauderhill, FL Flood Zone FAQ
What flood zones are in Lauderhill, FL?
The most common FEMA flood zones in Lauderhill 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 Lauderhill?
If your Lauderhill 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 over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Lauderhill?
Enter your Lauderhill 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 Lauderhill offer flood insurance discounts?
Yes. Lauderhill participates in FEMA's Community Rating System (CRS) with a Class 7 rating, qualifying residents in the Special Flood Hazard Area for up to a 15% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Lauderhill experienced major flooding events?
Broward County, where Lauderhill 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 Lauderhill?
Broward County has recorded 35,020 NFIP flood insurance claims totaling $457.6M 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 Lauderhill.
How many flood insurance policies are active in Lauderhill?
Broward County currently has 258,494 active NFIP flood insurance policies with an average annual premium of $561. The most policies are in Zone AE (153,676 policies). These figures cover all active NFIP policies in the county.
How many Lauderhill properties have flooded repeatedly?
Broward County has 1,513 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.
Can my Lauderhill 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 Lauderhill?
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 Lauderhill'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
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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 March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.