Does Nurmi Isles flood?
Nurmi Isles, Fort Lauderdale, FL · ZIP codes 33301, 33316 and 33304: 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 Nurmi Isles have filed flood claims. About 90% of Nurmi Isles’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 117 claims from the Census block groups that cover Nurmi Isles, from 1978 through 2025. 44 of them received a payment, totaling $2,400,502 (not adjusted for inflation). The busiest years were 2017 (24 claims), 1999 (15 claims), 2005 (11 claims).
What this page counts as Nurmi Isles
We could not find an openly licensed official boundary for Nurmi Isles, so this page uses a census-based area. For this page, Nurmi Isles 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 Nurmi Isles (feature 287915) 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 Nurmi Isles. 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 Nurmi Isles
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 Nurmi Isles
The named streets in Nurmi Isles, longest first, with how much of each street’s length inside Nurmi Isles lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Nurmi Isles; 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. 26 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| E Las Olas Blvd | 1.3 mi | 92% | AE (92%) |
| Fiesta Way | 1.2 mi | 100% | AE (100%) |
| S Atlantic Blvd | 1.1 mi | 85% | AE (85%) |
| N Atlantic Blvd | 3,930 ft | 64% | AE (60%) |
| Bayshore Dr | 3,580 ft | 83% | AE (83%) |
| NE 18th Ave | 3,570 ft | 100% | AE (100%) |
| Hendricks Isle | 3,570 ft | 100% | AE (100%) |
| Seabreeze Blvd | 3,020 ft | 49% | AE (49%) |
| NE 20th Ave | 2,950 ft | 100% | AE (100%) |
| Royal Palm Dr | 2,950 ft | 100% | AE (100%) |
| NE 22nd Ave | 2,950 ft | 100% | AE (100%) |
| NE 21st Ave | 2,940 ft | 100% | AE (100%) |
| Nurmi Dr | 2,940 ft | 100% | AE (100%) |
| Isle of Venice Dr | 2,500 ft | 100% | AE (100%) |
| NE 19th Ave | 2,500 ft | 100% | AE (100%) |
| Barcelona Dr | 2,250 ft | 100% | AE (100%) |
| Sea Island Dr | 2,210 ft | 100% | AE (100%) |
| Las Olas Cir | 2,200 ft | 100% | AE (100%) |
| NE 23rd Ave | 2,100 ft | 100% | AE (100%) |
| N Birch Rd | 2,000 ft | 100% | AE (100%) |
| Aqua Vista Blvd | 1,950 ft | 100% | AE (100%) |
| Pelican Isle | 1,940 ft | 100% | AE (100%) |
| Seven Isles Dr | 1,890 ft | 100% | AE (100%) |
| Castilla Isle | 1,690 ft | 100% | AE (100%) |
| SE 1st St | 1,690 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 Nurmi Isles
Share of Nurmi Isles’s mapped area (about 2.564 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 12 feet. Effective date of the FIRM panel(s) covering it (12011C0369J, 12011C0388J, 12011C0557J, 12011C0576J): July 31, 2024.
| FEMA zone | Share of area |
|---|---|
| AE | 87% |
| X (unshaded, minimal) | 7.8% |
| AH | 2.8% |
| X (shaded, 0.2% annual chance) | 2.6% |
| VE | 0.0% |
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 Nurmi Isles. 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 | 5 | $0 |
| 1980s | 11 | $821 |
| 1990s | 33 | $89,562 |
| 2000s | 18 | $36,742 |
| 2010s | 35 | $2,087,230 |
| 2020s | 15 | $186,146 |
By year of loss
Named flood events with the most claims
- Hurricane Irma: 23 claims
- Hurricane Irene: 14 claims
- April Florida Flooding: 7 claims
- Hurricane Wilma: 7 claims
- Hurricane Andrew: 7 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 96
- X/B/C (moderate or minimal): 20
- Not reported: 1
How much is flood insurance in Nurmi Isles?
The typical National Flood Insurance Program policy on single-family homes in Nurmi Isles costs $2,166 a year: the median of 484 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,440 and $3,151. 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.
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Before you rent or buy in Nurmi Isles
- 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 Nurmi Isles
Flood maps are only one part of choosing a neighborhood. To compare Nurmi Isles with other Fort Lauderdale neighborhoods on more than flooding, see Fort Lauderdale on StrollPlace.
Buyer and renter FAQ
Does Nurmi Isles flood?
Yes. Insured properties in and around Nurmi Isles have filed flood claims. About 90% of Nurmi Isles’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 117 claims from the Census block groups that cover Nurmi Isles, from 1978 through 2025. 44 of them received a payment, totaling $2,400,502 (not adjusted for inflation). The busiest years were 2017 (24 claims), 1999 (15 claims), 2005 (11 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Nurmi Isles in a flood zone?
About 90% of Nurmi Isles’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). Shares by zone: AE 87%; X (unshaded, minimal) 7.8%; AH 2.8%; X (shaded, 0.2% annual chance) 2.6%; VE 0.0%. The FIRM panel(s) covering it took effect July 31, 2024.
Which streets in Nurmi Isles are in a high-risk flood zone?
Most of the length of E Las Olas Blvd, Fiesta Way, S Atlantic Blvd, N Atlantic Blvd, Bayshore Dr, NE 18th Ave, Hendricks Isle, NE 20th Ave, Royal Palm Dr, NE 22nd Ave, NE 21st Ave and Nurmi Dr 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 Nurmi Isles in?
Nurmi Isles is in Fort Lauderdale, FL. ZIP codes 33301, 33316 and 33304: 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 Nurmi Isles?
The typical NFIP flood insurance policy on single-family homes in Nurmi Isles cost $2,166 a year: the median of 484 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,440 and $3,151. 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 Sunrise Key flood?
- Does Harbor Heights flood?
- Does Rio Vista Isles flood?
- Does Coral Ridge flood?
- Does Lauderdale Harbors flood?
- Does Bay Harbor 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: 120110421002, 120110419001, 120110420002, 120110420003. 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.