Does Plantation Gardens flood?
Plantation Gardens, Plantation, FL · ZIP codes 33317 and 33324: 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 Plantation Gardens have filed flood claims. About 22% of Plantation Gardens’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 58 claims from the Census block groups that cover Plantation Gardens, from 1979 through 2023. 21 of them received a payment, totaling $92,737 (not adjusted for inflation). The busiest years were 1999 (17 claims), 2005 (13 claims), 1979 (5 claims).
What this page counts as Plantation Gardens
We could not find an openly licensed official boundary for Plantation Gardens, so this page uses a census-based area. For this page, Plantation Gardens 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 Plantation Gardens (feature 289025) and inside the Plantation 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 Plantation Gardens. 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 Plantation Gardens
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 Plantation Gardens
The named streets in Plantation Gardens, longest first, with how much of each street’s length inside Plantation Gardens lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Plantation Gardens; 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. 47 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| W Broward Blvd | 1.7 mi | 6.5% | X (shaded, 0.2% annual chance) (94%) |
| NW 5th St | 1.5 mi | 96% | AH (96%) |
| 8th St | 1.1 mi | 1.2% | X (shaded, 0.2% annual chance) (99%) |
| Plantation Rd | 1.1 mi | 1.2% | X (shaded, 0.2% annual chance) (99%) |
| NW 65th Ave | 1.0 mi | 20% | X (shaded, 0.2% annual chance) (80%) |
| NW 70th Ave | 1.0 mi | 50% | AH (50%) |
| Marginal Access Rd | 4,890 ft | 42% | X (shaded, 0.2% annual chance) (58%) |
| Cypress Rd | 4,600 ft | 56% | AH (56%) |
| 2nd St | 4,600 ft | 56% | AH (56%) |
| NW 66th Ave | 4,530 ft | 25% | X (shaded, 0.2% annual chance) (75%) |
| NW 4th St | 4,280 ft | 69% | AH (69%) |
| NW 73rd Ave | 3,430 ft | 15% | X (shaded, 0.2% annual chance) (85%) |
| NW 68th Ave | 3,390 ft | 32% | X (shaded, 0.2% annual chance) (68%) |
| NW 3rd St | 2,720 ft | 63% | AH (63%) |
| NW 76th Ave | 2,650 ft | 55% | AH (55%) |
| NW 74th Ave | 2,630 ft | 14% | X (shaded, 0.2% annual chance) (86%) |
| NW 69th Ave | 2,400 ft | 75% | AH (75%) |
| NW 75th Ave | 2,390 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| NW 5th Ct | 2,290 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| NW 73rd Ter | 2,190 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| NW 67th Ave | 2,140 ft | 9.8% | X (shaded, 0.2% annual chance) (90%) |
| NW 9th St | 2,140 ft | 1.6% | X (shaded, 0.2% annual chance) (98%) |
| NW 72nd Ave | 1,990 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| NW 6th St | 1,970 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Rose Ter | 1,970 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 30, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Plantation Gardens
Share of Plantation Gardens’s mapped area (about 3.357 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 7 feet. Effective date of the FIRM panel(s) covering it (12011C0345J, 12011C0363J, 12011C0535J, 12011C0551J): July 31, 2024.
| FEMA zone | Share of area |
|---|---|
| X (shaded, 0.2% annual chance) | 77% |
| AH | 18% |
| AE | 3.5% |
| X (unshaded, minimal) | 2.0% |
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 Plantation Gardens. 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 | $4,759 |
| 1980s | 2 | $0 |
| 1990s | 20 | $47,641 |
| 2000s | 21 | $11,175 |
| 2010s | 7 | $0 |
| 2020s | 3 | $29,162 |
By year of loss
Named flood events with the most claims
- Hurricane Irene: 13 claims
- Hurricane Wilma: 9 claims
- Flooding: 6 claims
- Hurricane Isaac: 2 claims
- Hurricane Eta: 2 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 52
- X/B/C (moderate or minimal): 5
- Not reported: 1
How much is flood insurance in Plantation Gardens?
The typical National Flood Insurance Program policy on single-family homes in Plantation Gardens costs $894 a year: the median of 145 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $760 and $994. 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 30, 2026.
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Before you rent or buy in Plantation Gardens
- 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 Plantation Gardens
Flood maps are only one part of choosing a neighborhood. To compare Plantation Gardens with other Plantation neighborhoods on more than flooding, see Plantation on StrollPlace.
Buyer and renter FAQ
Does Plantation Gardens flood?
Yes. Insured properties in and around Plantation Gardens have filed flood claims. About 22% of Plantation Gardens’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 58 claims from the Census block groups that cover Plantation Gardens, from 1979 through 2023. 21 of them received a payment, totaling $92,737 (not adjusted for inflation). The busiest years were 1999 (17 claims), 2005 (13 claims), 1979 (5 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Plantation Gardens in a flood zone?
About 22% of Plantation Gardens’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) 77%; AH 18%; AE 3.5%; X (unshaded, minimal) 2.0%. The FIRM panel(s) covering it took effect July 31, 2024.
Which streets in Plantation Gardens are in a high-risk flood zone?
Most of the length of NW 5th St, NW 70th Ave, Cypress Rd, 2nd St, NW 4th St, NW 3rd St, NW 76th Ave and NW 69th Ave lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of W Broward Blvd, 8th St, Plantation Rd, NW 75th Ave, NW 5th Ct, NW 73rd Ter, NW 67th Ave and NW 9th St does. Zones can change along a street, so check the exact address.
What ZIP code is Plantation Gardens in?
Plantation Gardens is in Plantation, FL. ZIP codes 33317 and 33324: 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 Plantation Gardens?
The typical NFIP flood insurance policy on single-family homes in Plantation Gardens cost $894 a year: the median of 145 policies that started between August 1, 2025 and July 31, 2026. Half cost between $760 and $994. 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 Breezeswept Park Estates flood?
- Does Plantation Park flood?
- Does Sunrise Heights flood?
- Does Plantation Isles flood?
- Does Plantation Acres 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 30, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Broward County (county code 12011), dataset as of September 8, 2026, retrieved October 30, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 120110606072, 120110606061, 120110607002, 120110606062. 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 30, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 30, 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 30, 2026 (flood zones). Page last updated October 30, 2026.