Insurance in Hollywood
Hollywood runs from the beach to the western edge of the city, and the insurance picture changes completely across that line: condos and surge on one side, older single family homes and drainage on the other.
Broward
- Broward County, inside the High Velocity Hurricane Zone.
- The beachside is a condominium market with coastal flood zones and master policy questions; the western neighbourhoods are 1950s and 1960s single family with roof age as the main issue.
- Broward's flood mapping has been revised in recent years and a revision can change both your lender's requirement and your price without anything about the house changing.
- Registration and filings go through Broward County Tax Collector offices rather than Miami-Dade.
Pifò moun rive isit la pou youn nan rezon sa yo
- HO-6 and loss assessment on beachside buildings
- Homeowners with an older roof, and what a non-renewal notice actually means
- Flood, both mandatory and Zone X
What the water here actually is
Of the 4,131 flood claims on record in Hollywood, 2,911 were caused by accumulated rainfall and 340 by tidal water.
- Caused by rainfall2,91172.8%
- Caused by tidal water3408.5%
- River, lake, erosion and other causes74518.6%
The water here comes out of the sky, not off the sea. That is why a policy rated in a low-risk zone still matters, and why drainage, not distance from the beach, is the thing to ask about.
- Paid something2,47259.8%
- Closed without a payment1,65940.2%
The typical payment on the ones that paid was $7,974.
Sous: FEMA OpenFEMA, NFIP redacted claims, pran 2026-09-08.
What this city is worth on a flood policy
The community holds Community Rating System class 6, which takes 20% off a flood premium inside a high risk zone and 10% off outside one. That is a discount the city earned by how it manages drainage and building, and it applies to you whether or not anybody mentions it.
How many homes here are actually covered
19.2% of homes in Broward County carry flood insurance: 125,204 policies against 652,397 residential structures. Flood is excluded from every homeowners policy, so the rest are carrying that risk themselves, most of them without knowing it. Inside the high risk zones, where a mortgage usually forces the issue, it is 76.1%.
Work it out before anybody sells you anything
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