BROWARD COUNTY · SOUTH FLORIDA

Broward County Flood Zone Removal & LOMA Filing Service

Broward County homeowners and businesses are among the highest flood insurance payers in Florida — often unnecessarily. If your property is mapped in flood Zone AE, our pay-on-success LOMA service can officially remove you from the flood zone and eliminate the mandatory insurance requirement. Zero cost until we win.

Serving Fort Lauderdale, Hollywood, Pembroke Pines, Coral Springs, Miramar, Weston, Davie, Deerfield Beach, Pompano Beach, and all of Broward County.

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$2,500–$7,000
typical annual savings in Broward
30–60 Days
Map amendment processing time
$0 Upfront
pay only on success
Permanent
LOMA stays with the property

Why Broward County Has So Many Incorrect Flood Zone Designations

Broward County’s extensive canal network — over 300 miles of primary and secondary canals maintained by the South Florida Water Management District and the Broward County Water Control District — was originally the basis for widespread Zone AE flood designations. But these maps were drawn before the massive drainage infrastructure improvements of the 1990s and 2000s, before large-scale residential development raised finished floor elevations, and before newer SFWMD pump stations and water control structures were installed throughout the county.

Fort Lauderdale is often called the “Venice of America” for its 165+ miles of inland waterways — and many homes built along these canals carry Zone AE designations from the national flood mapping program flood maps that simply haven’t caught up with reality. The same is true for master-planned communities in Weston, Pembroke Pines, Miramar, and Coral Springs, where developers engineered entire neighborhoods to sit comfortably above the base flood elevation.

If you’re paying mandatory flood insurance in Broward County, the odds are meaningful that you qualify for removal — and that you’ve been overpaying for years.

Broward County Areas We Serve — City by City

Fort Lauderdale Flood Zone Removal

Fort Lauderdale has one of the highest concentrations of canal-adjacent properties in the country. Neighborhoods including Las Olas Isles, Victoria Park, Coral Ridge, Rio Vista, Tarpon River, Nurmi Isles, Lauderdale Harbours, and communities near Federal Highway and the Intracoastal (ZIP codes 33301, 33304, 33305, 33308, 33309, 33311, 33312, 33315, 33316, 33317) are frequently mapped in Zone AE. Many of these homes sit well above BFE but remain on outdated maps.

Hollywood & Hallandale Beach

Coastal communities in Hollywood and Hallandale Beach face Zone AE designations tied to the Intracoastal Waterway, Dania Beach Canal, and Hollywood Blvd drainage corridors. Areas including Hollywood Beach, West Lake, Lake Forest, Emerald Hills, Hallandale Beach Golf Club area, and properties near US-1 and Sheridan Street (ZIP codes 33019, 33020, 33021, 33023, 33009) commonly qualify. Older Hollywood neighborhoods built before drainage upgrades are especially strong candidates.

Pembroke Pines & Miramar

Pembroke Pines and Miramar are two of Broward’s fastest-growing cities — and many of their master-planned communities were developed on land that was elevated and graded during construction. Communities including Pembroke Falls, Pembroke Isles, Silver Lakes, Grand Palms, Riviera Isles, Monarch Lakes, and areas near Pines Boulevard and Miramar Parkway (ZIP codes 33023, 33025, 33026, 33027, 33028, 33029) are strong LOMA candidates.

Weston Flood Zone Removal

Weston is one of Florida’s most meticulously planned master communities — developed on former Everglades land that was drained, filled, and graded to very specific elevation standards. Despite this, many Weston properties carry Zone AE designations. Communities including Bonaventure, The Ridges, Sector 7, Weston Hills Country Club, Savanna, and Renaissance (ZIP code 33326, 33327, 33332) are frequently eligible. The entire community was engineered for flood control and most homes comfortably exceed BFE.

Coral Springs & Parkland

Northwestern Broward County communities near the C-14 Canal and Hillsboro Canal are often in Zone AE. Coral Springs communities including The Bridges, Eagle Trace, Kensington, Rock Creek, Cypress Run, and Parkland neighborhoods near Loxahatchee Road (ZIP codes 33065, 33067, 33071, 33073, 33076) are routinely assessed for LOMA eligibility. Parkland’s newer developments in particular were built with engineering standards that frequently exceed BFE.

Deerfield Beach & Pompano Beach

Northern Broward’s coastal and canal communities along Hillsboro Canal, the Intracoastal, and the C-13 drainage canal are heavily mapped in Zone AE. Neighborhoods including Cove, Century Village Deerfield, Quiet Waters, Deer Creek, Palm-Aire Country Club, and Lighthouse Point (ZIP codes 33064, 33069, 33441, 33442, 33060, 33062) have significant LOMA opportunity. Pompano Beach’s many golf course communities often qualify due to engineered elevation on course perimeters.

Who We Help in Broward County

Canal-Home Owners
Fort Lauderdale, Hollywood, and Pompano Beach canal homeowners paying mandatory flood insurance on properties that sit well above the base flood elevation.
HOA & Master Communities
Weston, Pembroke Pines, and Coral Springs master communities can pursue community-wide map revisions that eliminate flood insurance requirements for every homeowner at once.
Condo & Townhome Owners
Condo associations in Hallandale Beach, Hollywood, and coastal Broward often qualify when the building’s lowest floor exceeds the BFE — saving all unit owners simultaneously.
Commercial Property Owners
Commercial flood premiums in Broward County can be enormous. Owners of retail plazas, office buildings, and warehouses along I-95, US-1, and the Turnpike corridor should always get a review.

How LOMA Filing Works in Broward County

1
Free Assessment
We review your FIRM panel, flood zone designation, and available elevation data for your specific Broward County property — completely free, no obligation.
2
Elevation & Documentation
We coordinate the elevation certificate and gather technical documentation from Broward County’s permitting and drainage records to support your the map amendment application.
3
the national flood mapping program Submission
We file your complete LOMA package for review. Broward County applications typically receive a determination in 30–60 days. We track and manage the process at every step.
4
Savings Start
With LOMA in hand, your mandatory flood insurance requirement is remove year after yeard. Contact your lender and insurer — the savings start immediately and repeat every year.

Broward County Flood Zone FAQ

What flood zone is Fort Lauderdale in?
Fort Lauderdale has properties in multiple the national flood mapping program flood zones. Canal-adjacent and Intracoastal properties are most commonly designated Zone AE — the Special Flood Hazard Area requiring mandatory flood insurance for federally-backed mortgages. Properties further from waterways may be in Zone X (minimal flood hazard), which requires no mandatory insurance. The key is your specific property’s elevation relative to the Base Flood Elevation on the current Flood Insurance Rate Map. A LOMA can move your property from Zone AE to Zone X officially.
I live in Weston — why do I still have to pay flood insurance?
Weston was developed on former Everglades land specifically engineered for flood control, with every home built to elevation standards that in most cases exceed the Base Flood Elevation. However, the official federal flood maps are updated infrequently — many Weston maps haven’t been comprehensively revised since the 1990s. The result is that thousands of Weston homeowners pay mandatory flood insurance on properties that have genuinely minimal flood risk. A LOMA forces the national flood mapping program to officially recognize your property’s actual elevation and remove it from the flood zone.
Can a Broward County condo association get flood zone removal?
Yes — and this is one of the most powerful applications of the LOMA process. For condominium buildings, the map amendment process evaluates the lowest floor of the structure (typically the ground-floor parking or lobby level). If that elevation exceeds the BFE, the entire building can be removed from the flood zone, eliminating mandatory flood insurance requirements for every unit owner simultaneously. For Broward County’s many mid-rise condo communities in Hallandale Beach, Hollywood, and coastal Fort Lauderdale, this represents enormous collective savings.
How much flood insurance do Broward County homeowners pay?
Under the official NFIP Risk Rating 2.0, Broward County Zone AE premiums range from approximately $1,500 to over $7,000 annually for residential properties, depending on elevation, structure type, and foundation. Properties in flood-prone coastal areas — particularly older construction in Hollywood and Hallandale Beach — can face premiums significantly higher. Private flood insurance is often even more expensive. A successful LOMA completely eliminates the mandatory requirement, typically saving property owners several thousand dollars per year.
My Pembroke Pines home was built in the 1990s. Can I still get a LOMA?
Absolutely — in fact, 1990s-era construction in Pembroke Pines is one of our most common LOMA scenarios. Many Pembroke Pines and Miramar subdivisions developed in the late 1980s and 1990s were built to code-compliant elevations that now exceed the current BFE, because drainage infrastructure has improved and the official BFE estimates have shifted. The LOMA process looks at your property’s current elevation data versus the current BFE — not the historical data from when the home was built. Age of construction is not a barrier to LOMA eligibility.
What happens to my mortgage if I get a LOMA in Broward County?
Once your LOMA is issued by the national flood mapping program, you provide a copy to your mortgage lender. Under federal law (the Flood Disaster Protection Act), lenders are no longer permitted to require flood insurance on properties that have received a LOMA removing them from the Special Flood Hazard Area. Most lenders process the removal within 30 days of receiving your LOMA letter. If you have an escrow account that includes flood insurance payments, those will be adjusted accordingly. The savings begin immediately with your next renewal cycle.

All Broward County Communities We Serve

Fort Lauderdale • Hollywood • Pembroke Pines • Coral Springs • Miramar • Davie • Deerfield Beach • Pompano Beach • Weston • Sunrise • Plantation • Lauderhill • Margate • Coconut Creek • Tamarac • Oakland Park • Dania Beach • Hallandale Beach • Parkland • Cooper City • Lauderdale Lakes • North Lauderdale • Wilton Manors • Lighthouse Point • Sea Ranch Lakes • Hillsboro Beach • Lauderdale-by-the-Sea • North Andrews Gardens • West Park • Lazy Lake • Boulevard Gardens • Franklin Park • Washington Park • Pembroke Park • West Hollywood • Broadview Park

Stop Overpaying for Flood Insurance in Broward County

Free property review. Zero upfront cost. Pay only when the national flood mapping program removes your property.

Serving all of Broward County — Fort Lauderdale to Weston, Pompano Beach to Miramar.

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