Davie Residents Urged to Review Flood Insurance Options Amidst Rising Risks

Davie residents should understand their flood insurance options, as standard homeowner's insurance policies do not cover flood-related losses. Davie participates in the National Flood Insurance Program (NFIP), which makes federally backed flood insurance available to property owners and renters.

The approximate annual premium for flood insurance in Davie is $420. Actual costs vary based on the amount of coverage and the degree of flood hazard. Homeowners can purchase policies covering up to $250,000 for their home's structure and $100,000 for its contents. Nonresidential structures can be insured for up to $500,000 for both the structure and contents. Renters can also protect their personal property with up to $100,000 in contents flood insurance.

Flood insurance is federally required for properties with federally backed mortgages located in Special Flood Hazard Areas (SFHA), specifically Zone AE and Zone AH. These zones fall within the 100-year floodplain, also known as the base flood, which the NFIP uses to determine insurance requirements. Properties in Zone X and Zone X500 fall outside the 100-year floodplain, and while federal law does not mandate flood insurance for these areas, individual lenders may still require it.

Residents considering flood insurance should note a 30-day waiting period before NFIP coverage takes effect. This means policies purchased today, September 14, 2026, would not provide coverage until mid-October.

More information about flood insurance is available through resources like FloodSmart or FEMA.