This page is about the City of Pembroke Pines, not all of Broward County. The city runs its own flood program, so Pembroke Pines has its own discount and its own claim record: 212 claims paid in the last 10 years. For the countywide picture, see the Broward County flood insurance guide.
City of Pembroke Pines flood insurance in 5 numbers
| The short version | City of Pembroke Pines | Source |
|---|---|---|
| NFIP policies in force | 19,443 | FEMA policy records, July 2026 |
| Policies rated in an A or V zone | 84.3% | FEMA policy records, July 2026 |
| Average NFIP premium | $444 per policy | FEMA policy records, July 2026 |
| Claims paid, last 10 years | $1,315,006 on 212 claims | FEMA claim records, July 2026 |
| CRS discount | 25%, Class 5, since October 1, 2025 | FEMA Community Status Book |
Pembroke Pines flood zones: which 2 maps matter?
Two different maps answer two different questions in the City of Pembroke Pines.
| 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 Pembroke Pines 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.
Pembroke Pines has 19,443 NFIP policies (July 2026), and 84.3% 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 Pembroke Pines 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. Pembroke Pines sits inland, west of US 1, but Plan A still covers mobile homes and low-lying areas. Details are on the Broward County page.
What does flood insurance cost in the City of Pembroke Pines?
The average NFIP policy in the City of Pembroke Pines costs $444 a year. Read that number with care. It is an average per policy, and condo units count one each. The city has 19,443 policies on 16,612 policy records, because one condo building policy can cover many units. That pulls the average 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 Pembroke Pines is $444 per policy, but two Pembroke Pines 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 Pembroke Pines's own 25% discount. The City of Pembroke Pines is its own NFIP community. It earns its own Community Rating System (CRS) score. FEMA's Community Status Book rates the city Class 5, worth a 25% discount on NFIP premiums for eligible policies. The class took effect on October 1, 2025. 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 25% credit is applied. If your home is inside City of Pembroke Pines 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 Pembroke Pines has 1,791 NFIP claims on record all time, and 212 of them came in the last 10 years. Most of the city's flood claims are older than that. A quiet decade in Pembroke Pines does not mean a home is safe. 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 Pembroke Pines 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 Pembroke Pines residents too. Flood rules and permits inside the city belong to the City of Pembroke Pines.
Shelters. Pembroke Pines has no shelter of its own among the Broward County sites named here. The nearest named pet-friendly site is Everglades High School in neighboring Miramar. The county keeps a standing list of 35 shelters and opens them as needed. Other named Broward County shelters are Falcon Cove Middle School in Weston and Lyons Creek Middle School in Coconut Creek, both pet-friendly, plus Arthur Ashe/Rock Island in Fort Lauderdale and Pompano Beach High School in Pompano Beach. 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 Pembroke Pines 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 Pembroke Pines 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 $1,315,006 on claims inside the City of Pembroke Pines. In Broward County each city runs its own flood rules, so ask the City of Pembroke Pines 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 Pembroke Pines's own 10-year total is the $1,315,006 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 an inland Pembroke Pines home.
Buying or closing in Pembroke Pines? Read this first
More than 8 in 10 City of Pembroke Pines policies sit 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 Pembroke Pines seller for an elevation certificate and ask whether the seller's flood policy can be assigned to you at closing.
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 Pembroke Pines, 84.3% 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 Pembroke Pines homes and more for others. What a lender can require.
Buying in Pembroke Pines? Start with the buyer guide
City of Pembroke Pines flood insurance: 6 questions
How much is flood insurance in the City of Pembroke Pines? The NFIP average is $444 per policy, per FEMA records from July 2026. Condo units count one each, so a single-family home in Pembroke Pines can pay much more or less. Your price depends on your home.
Does the City of Pembroke Pines get a flood insurance discount? Yes. FEMA rates the City of Pembroke Pines Class 5 in the Community Rating System, worth 25% off NFIP premiums for eligible policies, since October 1, 2025.
Where can I see the Pembroke Pines flood zone map? Broward County's flood zone viewer shows each Pembroke Pines 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 Pembroke Pines? Pembroke Pines's 19,443 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. In inland Pembroke Pines, mobile homes and low-lying areas are the ones Plan A names.
Do I need flood insurance in zone X in Pembroke Pines? A lender does not have to require it in zone X. Many Pembroke Pines 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 Miramar flood insurance: the Broward city to the south
- City of Hollywood flood insurance: a coastal Broward city to the east
- Town of Davie flood insurance: a Broward town to the north
- City of Fort Lauderdale flood insurance: the county seat
- Miami-Dade County flood insurance: the county to the 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 Pembroke Pines by Census block group); FEMA NFIP Community Status Book, City of Pembroke Pines 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 Pembroke Pines? 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.