Risk Index · Broward County · 2026-06-13
Fort Lauderdale, FL real-estate risk
- Risk score
- 99.5/100
- Relatively High
- Expected annual loss
- $648M
- all hazards, county-wide
- Buildings-only loss
- $567M
- what owners and insurers carry
- Population
- 1.9M
- Broward County
Fort Lauderdale, FL (Broward County) carries a FEMA National Risk Index score of 99.5/100, rated "Relatively High" and driven mainly by hurricane and riverine flood, with roughly $648M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Hurricane99.8
- Riverine flood99.4
- Heat wave98.8
- Wildfire97
- Coastal flood97
- Tornado96.3
- Strong wind80.2
- Earthquake40.9
- Drought34.7
- Hail34.2
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Fort Lauderdale risk questions
Is Fort Lauderdale, FL a high-risk area for real estate?
Fort Lauderdale scores 99.5/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $648M per year.
What is the biggest natural hazard in Fort Lauderdale?
The highest-rated hazard is hurricane (99.8/100), followed by riverine flood (99.4/100).
How does hazard risk affect property insurance in Fort Lauderdale?
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.