Fort Lauderdale Flood Zones Changed—Is Your Flood Insurance Still Right for You?

If you’re a Fort Lauderdale homeowner who was required to purchase flood insurance in 2024 due to FEMA’s updated flood maps, you’re not alone. On July 31, 2024, FEMA reclassified many neighborhoods in Broward County—including parts of Fort Lauderdale, Wilton Manors, Oakland Park, and Dania Beach—into higher-risk flood zones, triggering mandatory flood insurance requirements for mortgage holders.

Now that your first renewal is approaching, it’s time to review your policy with a local flood insurance expert who understands the updated maps, rating changes, and the options available to you.

🏡 Was Your Property Re-Zoned in 2024?

If your mortgage lender required you to buy flood insurance after last year’s FEMA map changes, you may have:

• Purchased a standard NFIP policy under pressure

• Settled for minimum coverage to meet lender requirements

• Chosen a premium without understanding how Risk Rating 2.0 affects your rate

• Been placed into Zone AE, VE, or another high-risk designation

Now is the perfect time to review your coverage, compare options, and possibly lower your flood insurance costs.

💬 Talk to a Flood Insurance Expert Before You Renew

Craig Appleman, an independent insurance agent at North Broward Insurance Solutions, specializes in helping Broward County residents navigate complex flood zone changes and policy renewals.

With access to both NFIP and private flood insurance carriers, Craig can help you:

• Understand your current flood zone designation

• Determine if you’re eligible for private market alternatives

• Compare renewal rates vs. switching providers

• Explore elevation certificates and rating discounts

• Ensure your coverage aligns with your home’s value and flood risk

📞 Call Craig Appleman at 954-368-0060 x4
📧 Email: [email protected]

🌴 Serving Fort Lauderdale & All of Broward County

We’re currently helping homeowners in:

• Fort Lauderdale (33301, 33305, 33308, 33315)

• Wilton Manors (33334)

• Oakland Park (33309)

• Dania Beach (33004)

• Hollywood (33020, 33019)

• Pompano Beach, Coral Springs, Deerfield Beach, and more

Whether you’re in a coastal area, canal-front property, or an inland floodplain, your flood risk has likely shifted. Don’t wait until your renewal notice arrives—talk to Craig today.

⚠️ Why Reviewing Your Flood Insurance Matters in 2025

FEMA’s Risk Rating 2.0 continues to reshape how flood insurance premiums are calculated. Many homeowners are seeing rate increases—even in zones that didn’t flood last year.

By working with Craig, you can:

✅ Lock in the best available rate
✅ Avoid unnecessary or duplicate coverage
✅ Make sure your home and contents are fully protected
✅ Get help navigating renewal notices, elevation data, and private options

Don’t let a rushed policy from 2024 carry into 2025 without a second look. Your flood risk—and your insurance rate—may have changed. Let Craig Appleman help you stay protected and prepared.

📞 Call today at 954-368-0060 x4
📧 Or email [email protected] to request a quote or flood zone review