This page is about the City of Hallandale Beach, not all of Broward County. The city runs its own flood program, so Hallandale Beach has its own discount and its own claim record: 576 claims paid in the last 10 years. For the countywide picture, see the Broward County flood insurance guide.
City of Hallandale Beach flood insurance in 5 numbers
| The short version | City of Hallandale Beach | Source |
|---|---|---|
| NFIP policies in force | 16,284 | FEMA policy records, July 2026 |
| Policies rated in an A or V zone | 99.3% | FEMA policy records, July 2026 |
| Average NFIP premium | $204 per policy | FEMA policy records, July 2026 |
| Claims paid, last 10 years | $37,739,838 on 576 claims | FEMA claim records, July 2026 |
| CRS discount | 20%, Class 6, since October 1, 2008 | FEMA Community Status Book |
Hallandale Beach flood zones: which 2 maps matter?
Two different maps answer two different questions in the City of Hallandale Beach.
| FEMA flood zone | Broward evacuation plan |
|---|---|
| Decides if your lender can require flood insurance | Tells you when to leave before a storm (Plan A or Plan B) |
| Look up your FEMA zone | Broward County evacuation information |
The flood maps used in Broward County show zones AE, AH, AO and VE, plus lower-risk X areas, per the county's flood zone map FAQ. That list is countywide, not checked for Hallandale Beach alone.
Zones that start with A or V are high-risk areas. A home there with a federally backed mortgage must carry flood insurance. Zone X has no federal requirement, but floods do not stop at map lines.
Hallandale Beach has 16,284 NFIP policies (July 2026), and 99.3% of them are rated in an A or V zone. Broward's current flood maps took effect on July 31, 2024. The county's interactive flood zone viewer shows the 2024 zone for each parcel next to the old 2014 one, so you can see if your Hallandale Beach home changed zones. You can also see the official flood maps at the FEMA Flood Map Service Center.
Broward does not use lettered "evacuation zones." It uses two plans. Plan A is for Category 1 and 2 storms. Plan B is for Category 3 and stronger storms. Plan A covers everyone east of the Intracoastal, which takes in Hallandale Beach's beach side. Details are on the Broward County page.
What does flood insurance cost in the City of Hallandale Beach?
The average NFIP policy in the City of Hallandale Beach costs $204 a year. Read that number with care. It is an average per policy, and condo units count one each. The city has 16,284 policies on 2,146 policy records, because one condo building policy can cover many units. In Hallandale Beach that is most of the policies, so the average is pulled far down. It is not what a typical single-family home pays. Three things move your own price.
1. Same flood zone, very different prices. Your flood zone decides if a lender requires flood insurance. The price depends on the home itself: how high the first floor sits, what it would cost to rebuild, and how often that spot floods. The average NFIP premium in Hallandale Beach is $204 per policy, but two Hallandale Beach homes on the same block can get very different prices. An elevation certificate may lower an NFIP price. A lender must also accept a private policy that meets the federal rules.
2. The City of Hallandale Beach's own 20% discount. The City of Hallandale Beach is its own NFIP community. It earns its own Community Rating System (CRS) score. FEMA's Community Status Book rates the city Class 6, worth a 20% discount on NFIP premiums for eligible policies. The class took effect on October 1, 2008. Other Broward cities have their own classes, so two addresses a few miles apart can get different discounts. Under Risk Rating 2.0 the city's discount applies city-wide.
Confirm your 20% credit is applied. If your home is inside City of Hallandale Beach limits, check your declarations page for the CRS credit. Check my address to confirm which community your home is in.
3. The claim record around you. The City of Hallandale Beach has 1,928 NFIP claims on record all time, and 576 of them came in the last 10 years. That recent decade alone paid $37,739,838 in Hallandale Beach. A flood claim can come from rain as well as from the ocean. That record is why lenders ask for proof of flood coverage, and why how often your own spot floods matters to the price.
Broward emergency numbers for Hallandale Beach residents
| Who | Phone | What they handle |
|---|---|---|
| Broward County Emergency Hotline | 311 or (954) 831-4000 | Evacuation orders, shelter openings, storm updates |
The hotline is a county office. It serves City of Hallandale Beach residents too. Flood rules and permits inside the city belong to the City of Hallandale Beach.
Shelters. No Broward County shelter named here sits inside Hallandale Beach city limits, so beach-side residents should plan their route north or west before a storm. The county keeps a standing list of 35 shelters and opens them as needed. The named ones are Arthur Ashe/Rock Island in Fort Lauderdale, Pompano Beach High School in Pompano Beach, and three pet-friendly sites: Everglades High School in Miramar, Lyons Creek Middle School in Coconut Creek and Falcon Cove Middle School in Weston. Pet-friendly shelters need a carrier or crate and proof of rabies shots. Shelters open about 4 hours after an evacuation order. Confirm which ones are open on the Broward shelter page or by calling 311.
More help: the Broward Emergency Management Division.
If your Hallandale Beach home floods: 5 steps
- Stay safe. Do not walk or drive through flood water.
- Take photos and video of every room before you clean up.
- Call your insurance company and file the claim fast.
- Make a list of damaged items. Keep receipts for cleanup and repairs.
- Ask the City of Hallandale Beach about permits before you rebuild.
The 50% rule. If repairs cost 50% or more of the building's market value, federal rules call the home "substantially damaged." It must then be brought up to current flood rules, which can mean raising it. In the last 10 years, flood insurance paid $37,739,838 on claims inside the City of Hallandale Beach. In Broward County each city runs its own flood rules, so ask the City of Hallandale Beach how it counts the cost. Increased Cost of Compliance (ICC) coverage on an NFIP policy can help pay for that work.
5 Broward storms behind these numbers
Claims by storm are kept for the whole county, not the city alone. These are Broward County figures. The City of Hallandale Beach's own 10-year total is the $37,739,838 above.
| Storm | Year | NFIP claims in Broward County | Paid in Broward County |
|---|---|---|---|
| April Florida Flooding | 2023 | 3,394 | $245,494,532 |
| June South Florida Flooding | 2024 | 567 | $34,529,980 |
| Hurricane Irma | 2017 | 1,634 | $22,248,797 |
| Hurricane Eta | 2020 | 1,089 | $19,211,710 |
| Tropical Storm Alex | 2022 | 38 | $481,504 |
The April 2023 flood was a rainstorm, not a hurricane. It still paid $245,494,532 across Broward County, more than the other four storms combined. A storm does not need a name to flood a Hallandale Beach home.
Buying or closing in Hallandale Beach? Read this first
Almost every City of Hallandale Beach policy, 99.3%, sits in a high-risk zone. If your home is in one and you have a federally backed mortgage, your lender will ask for proof of flood insurance before closing. Ask the Hallandale Beach seller for an elevation certificate and ask whether the seller's flood policy can be assigned to you at closing. For a condo, ask the association for its building flood policy too.
NFIP flood policies have a 30-day waiting period. The big exception: if you buy the policy as part of getting, refinancing, increasing, extending or renewing a loan on the home, coverage can start at closing with no wait, as long as the application and payment are in by closing. If a new flood map just put your home in a high-risk zone, you can buy within 13 months of the map date and wait only one day. A lender asking for flood coverage partway through an existing loan does not skip the wait. Private flood policies set their own waiting periods, often shorter. Broward's July 31, 2024 maps are past that 13-month window.
In Hallandale Beach, 99.3% of NFIP policies (July 2026) are rated in an A or V zone, where a federally backed mortgage requires flood insurance. All major lenders accept private flood insurance under federal guidelines. The policy has to meet the federal definition of private flood insurance, so look for that statement on the policy or ask your lender. Private flood can cost less for some Hallandale Beach homes and more for others. What a lender can require.
Buying in Hallandale Beach? Start with the buyer guide
City of Hallandale Beach flood insurance: 6 questions
How much is flood insurance in the City of Hallandale Beach? The NFIP average is $204 per policy, per FEMA records from July 2026. Condo units count one each, so a single-family home in Hallandale Beach can pay much more or less. Your price depends on your home.
Does the City of Hallandale Beach get a flood insurance discount? Yes. FEMA rates the City of Hallandale Beach Class 6 in the Community Rating System, worth 20% off NFIP premiums for eligible policies, since October 1, 2008.
Where can I see the Hallandale Beach flood zone map? Broward County's flood zone viewer shows each Hallandale Beach parcel's zone on the July 31, 2024 maps. FEMA's Flood Map Service Center has the official maps. Lenders go by the FEMA map.
How long is the wait for a new flood policy in Hallandale Beach? Hallandale Beach's 16,284 NFIP policies (July 2026) follow federal rules: 30 days for a standard NFIP purchase. No wait when the policy is bought as part of getting, refinancing, increasing, extending or renewing a loan on the home. One day when a new flood map just placed the home in a high-risk zone (within 13 months of the map date).
What evacuation zone am I in? Broward uses Plan A and Plan B, not lettered zones. Plan A covers mobile homes, tidal and low-lying areas, and everyone east of the Intracoastal. Plan B adds everyone east of US 1.
Do I need flood insurance in zone X in Hallandale Beach? A lender does not have to require it in zone X. Many Hallandale Beach owners buy it anyway, because rain floods homes outside high-risk zones too.
Explore Broward and Florida flood guides
- Broward County flood insurance: the county numbers, storms and contacts
- City of Hollywood flood insurance: the coastal Broward city to the north
- City of Pembroke Pines flood insurance: an inland Broward city to the west
- City of Pompano Beach flood insurance: another coastal Broward city
- City of Fort Lauderdale flood insurance: the county seat
- City of Aventura flood insurance: the Miami-Dade city just south
- Miami-Dade County flood insurance: the county just south
- Florida flood insurance: the state picture
- The 30-day wait and its exceptions
- Flood insurance questions, answered
Sources: OpenFEMA NFIP policies and claims (FEMA, data as of July 4, 2026, split to the City of Hallandale Beach by Census block group); FEMA NFIP Community Status Book, City of Hallandale Beach row (read November 12, 2026); OpenFEMA NFIP claims by storm, Broward County; Broward County Emergency Management, evacuation, shelter and flood zone map pages (read July 14, 2026); Broward County flood zone viewer (read November 4, 2026); U.S. Census Geocoder, shelter addresses checked against city limits (read November 12, 2026); U.S. Census 2020 and 2024 Gazetteer.
Lender says you need flood insurance? Read what the law requires and what you still choose.
Own a business, condo or apartment building in Hallandale Beach? Read the Florida commercial flood insurance guide.
Page data last verified 2026-11-12. Every figure links to the federal or county record it came from.