Does Pine Island Ridge flood?
Pine Island Ridge, Davie, FL · ZIP codes 33324 and 33328: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Pine Island Ridge have filed flood claims. About 30% of Pine Island Ridge’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 140 claims from the Census block groups that cover Pine Island Ridge, from 1978 through 2023. 39 of them received a payment, totaling $218,731 (not adjusted for inflation). The busiest years were 1999 (44 claims), 1979 (25 claims), 2005 (23 claims).
What this page counts as Pine Island Ridge
We could not find an openly licensed official boundary for Pine Island Ridge, so this page uses a census-based area. For this page, Pine Island Ridge means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Pine Island Ridge (feature 1867186) and inside the Davie city limits (U.S. Census Bureau), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Pine Island Ridge. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Pine Island Ridge
Neighborhood figures are averages. Our address check looks up the FEMA flood zone at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Pine Island Ridge
The named streets in Pine Island Ridge, longest first, with how much of each street’s length inside Pine Island Ridge lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Pine Island Ridge; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that. 120 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| I-595 | 3.2 mi | 0.0% | X (unshaded, minimal) (100%) |
| State Hwy 84 | 3.2 mi | 17% | X (unshaded, minimal) (58%) |
| S Pine Island Rd | 1.9 mi | 1.6% | X (shaded, 0.2% annual chance) (93%) |
| Pine Ridge Dr | 1.5 mi | 17% | X (shaded, 0.2% annual chance) (83%) |
| S Nob Hill Rd | 1.4 mi | 14% | X (shaded, 0.2% annual chance) (79%) |
| Forest Ridge Cir | 1.1 mi | 3.5% | X (shaded, 0.2% annual chance) (96%) |
| SW 45th St | 1.1 mi | 0.5% | X (shaded, 0.2% annual chance) (100%) |
| Orange Dr | 1.1 mi | 0.5% | X (shaded, 0.2% annual chance) (100%) |
| SW 100th Ave | 5,100 ft | 5.8% | X (shaded, 0.2% annual chance) (94%) |
| SW 23rd St | 5,080 ft | 1.0% | X (shaded, 0.2% annual chance) (99%) |
| Golden Shoe Rd | 5,010 ft | 4.7% | X (shaded, 0.2% annual chance) (95%) |
| Orange Grove Dr | 4,480 ft | 1.7% | X (shaded, 0.2% annual chance) (98%) |
| SW 106th Ter | 4,430 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SW 18th St | 4,030 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SW 86th Ave | 3,900 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| White Hall Dr | 3,640 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SW 85th Ave | 3,590 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Oak Park Cir | 3,550 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SW 83rd Ter | 3,490 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SW 84th Ave | 3,480 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SW 87th Ter | 3,200 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SW 101st Ave | 3,190 ft | 63% | AH (63%) |
| SW 100th Ter | 3,140 ft | 75% | AH (75%) |
| Arborwood Cir | 3,020 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SW 16th Pl | 2,910 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved October 29, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Pine Island Ridge
Share of Pine Island Ridge’s mapped area (about 9.649 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 5 to 8 feet. Effective date of the FIRM panel(s) covering it (12011C0535J): July 31, 2024.
| FEMA zone | Share of area |
|---|---|
| X (shaded, 0.2% annual chance) | 67% |
| AE | 15% |
| AH | 15% |
| X (unshaded, minimal) | 2.3% |
What the zones mean
- Zone AE (and A, AH, AO)
- High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
- Zone VE (and V)
- High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
- Zone X (shaded)
- Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
- Zone X (unshaded)
- Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.
Source: FEMA Glossary: Flood Zones.
Flood insurance claims over time
Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Pine Island Ridge. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 26 | $630 |
| 1980s | 2 | $1,204 |
| 1990s | 58 | $100,174 |
| 2000s | 29 | $39,279 |
| 2010s | 16 | $12,587 |
| 2020s | 9 | $64,858 |
By year of loss
Named flood events with the most claims
- Hurricane Irene: 40 claims
- Flooding: 30 claims
- Hurricane Wilma: 21 claims
- Hurricane Eta: 6 claims
- Hurricane Irma: 4 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 125
- X/B/C (moderate or minimal): 15
How much is flood insurance in Pine Island Ridge?
The typical National Flood Insurance Program policy on single-family homes in Pine Island Ridge costs $1,107 a year: the median of 358 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,084 and $1,266. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed October 29, 2026.
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Before you rent or buy in Pine Island Ridge
- Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
- Ask the landlord or seller about past flooding and flood insurance claims at the property.
- Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
- Ask which floor the unit is on and where parking, storage and mechanical equipment sit.
Living in Pine Island Ridge
Flood maps are only one part of choosing a neighborhood. To compare Pine Island Ridge with other Davie neighborhoods on more than flooding, see Davie on StrollPlace.
Buyer and renter FAQ
Does Pine Island Ridge flood?
Yes. Insured properties in and around Pine Island Ridge have filed flood claims. About 30% of Pine Island Ridge’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 140 claims from the Census block groups that cover Pine Island Ridge, from 1978 through 2023. 39 of them received a payment, totaling $218,731 (not adjusted for inflation). The busiest years were 1999 (44 claims), 1979 (25 claims), 2005 (23 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Pine Island Ridge in a flood zone?
About 30% of Pine Island Ridge’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. Shares by zone: X (shaded, 0.2% annual chance) 67%; AE 15%; AH 15%; X (unshaded, minimal) 2.3%. The FIRM panel(s) covering it took effect July 31, 2024.
Which streets in Pine Island Ridge are in a high-risk flood zone?
Most of the length of SW 101st Ave and SW 100th Ter lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of I-595, S Pine Island Rd, Forest Ridge Cir, SW 45th St, Orange Dr, SW 100th Ave, SW 23rd St and Golden Shoe Rd does. Zones can change along a street, so check the exact address.
What ZIP code is Pine Island Ridge in?
Pine Island Ridge is in Davie, FL. ZIP codes 33324 and 33328: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.
Do renters need flood insurance?
Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.
How long does a new flood policy take to start?
A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.
How much coverage can NFIP provide?
For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.
How much is flood insurance in Pine Island Ridge?
The typical NFIP flood insurance policy on single-family homes in Pine Island Ridge cost $1,107 a year: the median of 358 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,084 and $1,266. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.
Nearby neighborhoods
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved October 29, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Broward County (county code 12011), dataset as of September 8, 2026, retrieved October 29, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 120110702072, 120110702092, 120110702071, 120110702102, 120110702083. Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 29, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 29, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- FEMA Glossary: Flood Zones.
- FloodSmart (NFIP): Buy a Flood Insurance Policy.
- FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
- 44 CFR 61.11, Effective date and time of coverage.
- OpenFEMA Terms and Conditions.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
Data as of September 8, 2026 (FEMA claims) and October 29, 2026 (flood zones). Page last updated October 29, 2026.