Does Garden Isles flood?
Garden Isles, Pompano Beach, FL · ZIP code 33060: the ZIP code on 57 of the 58 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Garden Isles have filed flood claims. About 59% of Garden Isles’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 58 claims from the Census block groups that cover Garden Isles, from 1979 through 2024. 18 of them received a payment, totaling $127,767 (not adjusted for inflation). The busiest years were 2005 (11 claims), 1999 (9 claims), 2004 (5 claims).
What this page counts as Garden Isles
We could not find an openly licensed official boundary for Garden Isles, so this page uses a census-based area. For this page, Garden 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 Garden Isles (feature 282927) and inside the Pompano Beach 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 Garden 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 Garden 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 Garden Isles
The named streets in Garden Isles, longest first, with how much of each street’s length inside Garden Isles lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Garden 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. 29 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| E Atlantic Blvd | 1.5 mi | 0.0% | X (unshaded, minimal) (93%) |
| S Cypress Rd | 4,420 ft | 100% | AE (100%) |
| NE 1st St | 4,310 ft | 0.0% | X (unshaded, minimal) (83%) |
| NE 2nd St | 4,130 ft | 12% | X (shaded, 0.2% annual chance) (53%) |
| NE 4th St | 3,940 ft | 13% | X (shaded, 0.2% annual chance) (49%) |
| NE 3rd St | 3,840 ft | 0.0% | X (shaded, 0.2% annual chance) (76%) |
| SE 5th Ct | 3,260 ft | 100% | AE (100%) |
| SW 3rd St | 3,060 ft | 48% | AE (48%) |
| SW 2nd Ct | 2,450 ft | 100% | AE (100%) |
| Pompono Park Pl | 2,270 ft | 62% | AE (62%) |
| Pine Dr | 2,250 ft | 100% | AE (100%) |
| SW 2nd Pl | 2,250 ft | 100% | AE (100%) |
| SE 1st Ter | 2,230 ft | 100% | AE (100%) |
| SE 1st Ave | 2,210 ft | 100% | AE (100%) |
| SE 3rd St | 2,200 ft | 100% | AE (100%) |
| NE 5th St | 2,120 ft | 17% | X (shaded, 0.2% annual chance) (83%) |
| SW 2nd St | 2,060 ft | 91% | AE (91%) |
| Avondale Dr | 2,020 ft | 99% | AE (99%) |
| SE 3rd Ave | 1,980 ft | 88% | AE (88%) |
| SE 5th St | 1,980 ft | 100% | AE (100%) |
| NE 1st Ave | 1,950 ft | 0.0% | X (shaded, 0.2% annual chance) (70%) |
| NE 11th Ave | 1,940 ft | 26% | X (shaded, 0.2% annual chance) (71%) |
| NE 7th Ave | 1,940 ft | 5.2% | X (unshaded, minimal) (58%) |
| NE 5th Ave | 1,940 ft | 0.0% | X (unshaded, minimal) (58%) |
| NE 10th Ave | 1,940 ft | 30% | X (shaded, 0.2% annual chance) (68%) |
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 Garden Isles
Share of Garden Isles’s mapped area (about 2.172 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 7 to 17 feet. Effective date of the FIRM panel(s) covering it (12011C0357J, 12011C0376J): July 31, 2024.
| FEMA zone | Share of area |
|---|---|
| AE | 57% |
| X (unshaded, minimal) | 21% |
| X (shaded, 0.2% annual chance) | 20% |
| AH | 1.6% |
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 Garden 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 | $185 |
| 1980s | 5 | $704 |
| 1990s | 12 | $30,091 |
| 2000s | 27 | $93,089 |
| 2010s | 6 | $3,698 |
| 2020s | 3 | $0 |
By year of loss
Named flood events with the most claims
- Hurricane Wilma: 10 claims
- Flooding: 6 claims
- Hurricane Frances: 5 claims
- Hurricane Irene: 2 claims
- Tropical Storm Fay: 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): 48
- X/B/C (moderate or minimal): 5
- Not reported: 5
How much is flood insurance in Garden Isles?
The typical National Flood Insurance Program policy on single-family homes in Garden Isles costs $1,130 a year: the median of 497 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $957 and $1,304. 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 Garden 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 Garden Isles
Flood maps are only one part of choosing a neighborhood. To compare Garden Isles with other Pompano Beach neighborhoods on more than flooding, see Pompano Beach on StrollPlace.
Buyer and renter FAQ
Does Garden Isles flood?
Yes. Insured properties in and around Garden Isles have filed flood claims. About 59% of Garden Isles’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 58 claims from the Census block groups that cover Garden Isles, from 1979 through 2024. 18 of them received a payment, totaling $127,767 (not adjusted for inflation). The busiest years were 2005 (11 claims), 1999 (9 claims), 2004 (5 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Garden Isles in a flood zone?
About 59% of Garden Isles’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). Shares by zone: AE 57%; X (unshaded, minimal) 21%; X (shaded, 0.2% annual chance) 20%; AH 1.6%. The FIRM panel(s) covering it took effect July 31, 2024.
Which streets in Garden Isles are in a high-risk flood zone?
Most of the length of S Cypress Rd, SE 5th Ct, SW 2nd Ct, Pompono Park Pl, Pine Dr, SW 2nd Pl, SE 1st Ter, SE 1st Ave, SE 3rd St, SW 2nd St, Avondale Dr and SE 3rd Ave lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of E Atlantic Blvd, NE 1st St, NE 3rd St, NE 1st Ave, NE 7th Ave and NE 5th Ave does. Zones can change along a street, so check the exact address.
What ZIP code is Garden Isles in?
Garden Isles is in Pompano Beach, FL. ZIP code 33060: the ZIP code on 57 of the 58 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 Garden Isles?
The typical NFIP flood insurance policy on single-family homes in Garden Isles cost $1,130 a year: the median of 497 policies that started between August 1, 2025 and July 31, 2026. Half cost between $957 and $1,304. 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 Village flood?
- Does Lyons Park flood?
- Does Sanders Park flood?
- Does Kendall Green flood?
- Does Cypress Harbor flood?
- Does Cypress Isles Estates 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: 120110308011, 120110310023, 120110310011, 120110309041. 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.