Does Lauderdale Harbors flood?
Lauderdale Harbors, Fort Lauderdale, FL · ZIP code 33316: the ZIP code on 189 of the 191 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Lauderdale Harbors have filed flood claims. About 77% of Lauderdale Harbors’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 191 claims from the Census block groups that cover Lauderdale Harbors, from 1979 through 2024. 128 of them received a payment, totaling $12,639,011 (not adjusted for inflation). The busiest years were 2023 (109 claims), 2017 (13 claims), 2024 (12 claims).
What this page counts as Lauderdale Harbors
We could not find an openly licensed official boundary for Lauderdale Harbors, so this page uses a census-based area. For this page, Lauderdale Harbors 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 Lauderdale Harbors (feature 301160) and inside the Fort Lauderdale 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 Lauderdale Harbors. 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 Lauderdale Harbors
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 Lauderdale Harbors
The named streets in Lauderdale Harbors, longest first, with how much of each street’s length inside Lauderdale Harbors lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Lauderdale Harbors; 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. 21 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| SE 17th St | 2.7 mi | 83% | AE (71%) |
| State Hwy 5 | 1.9 mi | 76% | AE (54%) |
| SE 20th St | 1.5 mi | 63% | AE (53%) |
| SE 15th St | 1.4 mi | 87% | AE (75%) |
| Cordova Rd | 1.2 mi | 100% | AE (100%) |
| SE 14th St | 1.2 mi | 67% | AE (67%) |
| SE 13th St | 1.1 mi | 54% | AE (54%) |
| S Miami Rd | 1.1 mi | 23% | X (unshaded, minimal) (58%) |
| SE 4th Ave | 4,910 ft | 73% | AE (69%) |
| SE 12th St | 4,700 ft | 66% | AE (66%) |
| SE 16th St | 4,630 ft | 92% | AE (86%) |
| SE 10th Ave | 4,610 ft | 43% | AE (39%) |
| Ponce de Leon Dr | 4,580 ft | 80% | AE (80%) |
| SE 18th St | 4,570 ft | 89% | AE (72%) |
| SE 3rd Ave | 4,350 ft | 60% | AE (59%) |
| S Andrews Ave | 4,310 ft | 57% | X (shaded, 0.2% annual chance) (36%) |
| SE 11th St | 4,200 ft | 77% | AE (77%) |
| SE 12th Ct | 3,640 ft | 75% | AE (75%) |
| SE 11th Ct | 3,530 ft | 76% | AE (76%) |
| SE 1st Ave | 3,480 ft | 59% | AE (51%) |
| Belcher Rd | 3,370 ft | 92% | AE (92%) |
| SE 9th St | 2,900 ft | 91% | AE (91%) |
| Eisenhower Blvd | 2,840 ft | 64% | AE (64%) |
| SE 16th Ct | 2,840 ft | 75% | AE (48%) |
| SE 7th St | 2,730 ft | 100% | AE (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 28, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Lauderdale Harbors
Share of Lauderdale Harbors’s mapped area (about 4.649 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 6 to 9 feet. Effective date of the FIRM panel(s) covering it (12011C0557J, 12011C0559J, 12011C0576J, 12011C0578J): July 31, 2024.
| FEMA zone | Share of area |
|---|---|
| AE | 69% |
| X (shaded, 0.2% annual chance) | 14% |
| X (unshaded, minimal) | 8.9% |
| AH | 4.7% |
| VE | 3.1% |
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 Lauderdale Harbors. 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 | 2 | $306 |
| 1980s | 5 | $0 |
| 1990s | 10 | $12,215 |
| 2000s | 20 | $15,479 |
| 2010s | 29 | $448,197 |
| 2020s | 125 | $12,162,814 |
By year of loss
Named flood events with the most claims
- April Florida Flooding: 106 claims
- June South Florida Flooding: 12 claims
- Hurricane Irma: 12 claims
- Hurricane Wilma: 7 claims
- Hurricane Irene: 5 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 172
- X/B/C (moderate or minimal): 18
- Not reported: 1
How much is flood insurance in Lauderdale Harbors?
The typical National Flood Insurance Program policy on single-family homes in Lauderdale Harbors costs $1,424 a year: the median of 287 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,120 and $2,197. 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 28, 2026.
Insurance agency or real estate agent? Sponsor this page.
Before you rent or buy in Lauderdale Harbors
- 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 Lauderdale Harbors
Flood maps are only one part of choosing a neighborhood. To compare Lauderdale Harbors with other Fort Lauderdale neighborhoods on more than flooding, see Fort Lauderdale on StrollPlace.
Buyer and renter FAQ
Does Lauderdale Harbors flood?
Yes. Insured properties in and around Lauderdale Harbors have filed flood claims. About 77% of Lauderdale Harbors’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 191 claims from the Census block groups that cover Lauderdale Harbors, from 1979 through 2024. 128 of them received a payment, totaling $12,639,011 (not adjusted for inflation). The busiest years were 2023 (109 claims), 2017 (13 claims), 2024 (12 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Lauderdale Harbors in a flood zone?
About 77% of Lauderdale Harbors’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). Shares by zone: AE 69%; X (shaded, 0.2% annual chance) 14%; X (unshaded, minimal) 8.9%; AH 4.7%; VE 3.1%. The FIRM panel(s) covering it took effect July 31, 2024.
Which streets in Lauderdale Harbors are in a high-risk flood zone?
Most of the length of SE 17th St, State Hwy 5, SE 20th St, SE 15th St, Cordova Rd, SE 14th St, SE 13th St, SE 4th Ave, SE 12th St, SE 16th St, Ponce de Leon Dr and SE 18th St lies in FEMA high-risk zones (the Special Flood Hazard Area). Zones can change along a street, so check the exact address.
What ZIP code is Lauderdale Harbors in?
Lauderdale Harbors is in Fort Lauderdale, FL. ZIP code 33316: the ZIP code on 189 of the 191 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 Lauderdale Harbors?
The typical NFIP flood insurance policy on single-family homes in Lauderdale Harbors cost $1,424 a year: the median of 287 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,120 and $2,197. 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
- Does Harbor Heights flood?
- Does Rio Vista Isles flood?
- Does Nurmi Isles flood?
- Does Sunrise Key flood?
- Does Bay Harbor flood?
- Does Coral Ridge flood?
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 28, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Broward County (county code 12011), dataset as of September 8, 2026, retrieved October 28, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 120110423022, 120110423011, 120110423021, 120110423012, 120110423013. 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 28, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 28, 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 28, 2026 (flood zones). Page last updated October 28, 2026.