Property Atlas

County hazard profile

Broward, FL

Florida · pop. 1,940,829 · FIPS 12011

Relatively High
FEMA risk rating · RATING
Lightning
dominant hazard
$648M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the highest nationally

national median $15M/yr Broward $648M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively High 99.46/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 55.38/100
national median ~50 near the national middle (55th percentile)
Community resilienceRelatively Moderate 44.18/100
national median ~50 near the national middle (44th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Broward

The National Flood Insurance Program has paid 35,037 flood-insurance claims totaling $458.1M in Broward since 1978. The costliest year was 2023 ($250.7M paid).

Flood-insurance dollars paid by year of loss

1978: $64,619 paid 1979: $872,047 paid 1980: $40,038 paid 1981: $387,008 paid 1982: $123,763 paid 1983: $169,299 paid 1984: $56,016 paid 1985: $98,161 paid 1986: $390,170 paid 1987: $18,531 paid 1988: $19,843 paid 1989: $15,665 paid 1990: $14,084 paid 1991: $1,184,889 paid 1992: $2,051,435 paid 1993: $165,024 paid 1994: $1,414,606 paid 1995: $1,982,730 paid 1996: $398,254 paid 1997: $177,520 paid 1998: $740,829 paid 1999: $19,448,452 paid 2000: $12,850,897 paid 2001: $1,144,820 paid 2002: $1,547,812 paid 2003: $3,688,809 paid 2004: $1,549,795 paid 2005: $12,301,364 paid 2006: $251,236 paid 2007: $434,609 paid 2008: $456,185 paid 2009: $21,806,037 paid 2010: $476,451 paid 2011: $16,101,373 paid 2012: $2,436,172 paid 2013: $2,810,582 paid 2014: $69,937 paid 2015: $648,076 paid 2016: $572,508 paid 2017: $24,398,961 paid 2018: $950,850 paid 2019: $10,557,494 paid 2020: $22,692,404 paid 2021: $155,576 paid 2022: $1,171,187 paid 2023: $250,664,642 paid 2024: $35,088,673 paid 2025: $3,419,818 paid 2026: $9,088 paid 2023 · $250.7M 1978 2026
$458.1M
total paid
$13,074
average claim
$1.4M
largest single claim
87%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Broward, FL and where it ranks among U.S. counties. It is not a verdict on whether Broward is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.