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Water Damage & Mold Remediation in Fort Lauderdale, FL
Water in your home or signs of mold? Call to be connected with an independent, local restoration provider serving Fort Lauderdale and Broward County.
Call (000) 000-0000Updated November 6, 2026. Local figures from FEMA and NOAA data, with sources below.
Fort Lauderdale water and flood risk by the numbers
| Flood insurance claims filed since 1978 | 5,622[1] |
|---|---|
| Total paid on those claims (nominal dollars) | $209.0 million[1] |
| Claims filed since 2015 | 3,296[1] |
| Average payout per paid claim | $53,652[1] |
| Share of claims from outside FEMA high-risk flood zones | 10.9%[1] |
| Broward County homes in a FEMA high-risk flood zone | 18.9% (123,414 of 652,397)[2] |
| Broward County homes with NFIP flood insurance | 19.2%[2] |
| Federal major disaster declarations covering Broward County since 2000 | 15[3] |
| Average annual rainfall (Ft Lauderdale Hollywood Airport) | 61.0 inches[4] |
| Days per year with 0.1 inch or more of rain | 82[4] |
Want the full statewide table? See Florida flood claims by city.
What the data says for Fort Lauderdale homeowners
The average paid flood claim in Fort Lauderdale is $53,652, close to the statewide average of $61,615[1]. 59% of Fort Lauderdale's claims were filed in 2015 or later, versus 44.9% statewide.
Flood claims history
FEMA records show 5,622 National Flood Insurance Program claims filed in Fort Lauderdale since 1978, with $209.0 million paid out[1]. The events behind the most claims were April Florida Flooding and Hurricane Eta. 59% of those claims were filed in 2015 or later.
Flood zones
Most Fort Lauderdale flood claims come from mapped high-risk zones: only 10.9% of claims with a recorded zone were outside them[1]. If your home is in an A or V zone, check that your flood policy is current before storm season.
Flood insurance gap
Only 19.2% of homes in Broward County carry NFIP flood insurance[2]. Inside the high-risk flood zone, 76.1% are insured[2]. Uninsured flood damage is paid out of pocket, which makes fast drying to limit the damage even more important.
Rain and humidity
Fort Lauderdale averages 61 inches of rain a year, with 0.1 inch or more of rain on about 82 days and 23 inches falling in June through August alone[4]. Warm, wet conditions like these are why wet drywall, carpet pad and cabinets need to be dried quickly after any leak.
Disaster history
Broward County has been included in 15 federal major disaster declarations since 2000[3], including Hurricane Milton (2024), Hurricane Nicole (2022), Hurricane Ian (2022), Hurricane Dorian (2019).
What to do right now
- Stay away from wet electrical equipment; if reaching the breaker means walking through water, call an electrician[7][8].
- Stop the source, then photograph everything and keep receipts[9].
- Start drying within 24 to 48 hours[10]. Full step-by-step guide.
Ready to talk to a provider? Call (000) 000-0000
Fort Lauderdale flood claims in detail
Where in Fort Lauderdale the claims are
ZIP code 33315 has the most flood insurance claims in Fort Lauderdale's FEMA records: 1,368 claims and $79.4 million paid[1].
| ZIP code | Claims | Paid |
|---|---|---|
| 33315 | 1,368 | $79.4 million |
| 33312 | 1,344 | $64.7 million |
| 33311 | 684 | $18.3 million |
| 33316 | 388 | $19.8 million |
| 33304 | 386 | $7.1 million |
| 33301 | 373 | $8.2 million |
| 33305 | 364 | $5.6 million |
| 33308 | 296 | $3.8 million |
The storms behind Fort Lauderdale's flood claims
| Event (FEMA label) | Claims | Paid |
|---|---|---|
| April Florida Flooding | 2,155 | $162.2 million |
| Hurricane Eta | 387 | $10.3 million |
| Hurricane Irene | 366 | $1.9 million |
| Hurricane Wilma | 286 | $791,621 |
| Hurricane Irma | 278 | $7.2 million |
| June South Florida Flooding | 84 | $2.8 million |
April Florida Flooding produced the most claims in Fort Lauderdale[1]. 1,838 claims (33%) are not linked to a named storm or designated flood event in FEMA's records, a reminder that heavy rain and high tides cause flood damage too.
Worst years
The years with the most Fort Lauderdale flood claims were 2023: 2,250 claims ($164.8 million); 2011: 497 claims ($11.6 million); 2020: 484 claims ($11.7 million); 1999: 417 claims ($2.0 million)[1].
Flood zone mix
Of 3,048 Fort Lauderdale claims with a recorded flood zone: 89% in zone A (high risk), 11% in zone X/B/C (moderate to low risk)[1].
Fort Lauderdale compared with nearby cities
| City | Claims (all years) | Since 2015 | Avg paid claim | Outside high-risk zone |
|---|---|---|---|---|
| Fort Lauderdale | 5,622 | 3,296 | $53,652 | 10.9% |
| Plantation | 1,456 | 222 | $7,870 | 50.8% |
| Davie | 1,367 | 281 | $10,618 | 32.4% |
| Hollywood | 4,132 | 1,330 | $24,994 | 9.6% |
| Pompano Beach | 1,144 | 190 | $14,734 | 22.1% |
| Pembroke Pines | 1,738 | 217 | $8,228 | 76.4% |
Source: FEMA NFIP claims[1].
Florida rules in brief
- Report a new claim within 1 year of the date of loss[11]. Most homeowners insurance does not cover flood[5]. Florida water damage claims explained.
- Mold remediation over 10 square feet requires a Florida license, issued to individuals; verify it with DBPR[12][13][14]. How mold remediation works.
- Costs: national guides put typical mold remediation at about $1,100 to $6,000 and water damage restoration at about $1,300 to $6,400[15][16][17][18]. Mold cost ยท Water damage cost.
Areas served
Calls from Fort Lauderdale are connected with independent providers serving Broward County. ZIP codes include: 33301, 33302, 33303, 33304, 33305, 33306, 33307, 33308, 33309, 33310, 33311, 33312, 33313, 33314, 33315, 33316, 33317, 33318, 33319, 33320, 33321, 33322, 33323, 33324, 33325, 33326, 33327, 33328, 33329, 33330, 33331, 33332, 33334, 33335, 33336, 33337, 33338, 33339, 33340, 33345, 33346, 33348, 33349, 33351, 33355, 33359, 33394[19].
Nearby: Plantation, Davie, Hollywood, Pompano Beach, Pembroke Pines, Miramar.
Fort Lauderdale water damage and mold questions
How many flood insurance claims have been filed in Fort Lauderdale?
5,622 since 1978, 3,296 of them since 2015, with $209.0 million paid in nominal dollars[1]. The average paid flood claim in Fort Lauderdale is $53,652, close to the statewide average of $61,615[1]. 59% of Fort Lauderdale's claims were filed in 2015 or later, versus 44.9% statewide.
Which Fort Lauderdale ZIP code has the most flood claims?
33315, with 1,368 claims and $79.4 million paid, followed by 33312 with 1,344 claims[1].
Which storm caused the most flood claims in Fort Lauderdale?
April Florida Flooding, with 2,155 claims in FEMA's records[1]. It was also the costliest, at $162.2 million paid.
Can a Fort Lauderdale home flood outside a flood zone?
Yes. 18.9% of Broward County homes are in a FEMA high-risk flood zone[2], but 10.9% of Fort Lauderdale claims with a recorded zone came from outside high-risk areas[1]. Most homeowners insurance does not cover flood[5], and new NFIP policies usually have a 30-day wait[6].
How much rain does Fort Lauderdale get?
About 61 inches a year at Ft Lauderdale Hollywood Airport, with 23 inches in June through August and about 82 days with 0.1 inch or more[4].
Sources
Every figure on this page links to its source. Statutes are from the 2026 Florida Statutes. FEMA and NOAA figures were downloaded on 6 November 2026.
- FIMA NFIP Redacted Claims dataset, Florida records (analysis by RestoreNow USA). FEMA OpenFEMA. https://www.fema.gov/openfema-data-page/fima-nfip-redacted-claims-v2 Downloaded 6 Nov 2026. Dollar amounts are nominal (not adjusted for inflation).
- NFIP Residential Penetration Rates. FEMA OpenFEMA. https://www.fema.gov/openfema-data-page/nfip-residential-penetration-rates-v1 Data as of 2026-08-03.
- Disaster Declarations Summaries. FEMA OpenFEMA. https://www.fema.gov/openfema-data-page/disaster-declarations-summaries-v2
- U.S. Climate Normals 1991-2020, annual and seasonal. NOAA National Centers for Environmental Information. https://www.ncei.noaa.gov/products/land-based-station/us-climate-normals
- FloodSmart.gov home page. FEMA, National Flood Insurance Program (FloodSmart.gov). https://www.floodsmart.gov/ Accessed 6 Nov 2026.
- Buy a Flood Insurance Policy. FEMA, National Flood Insurance Program (FloodSmart.gov). https://www.floodsmart.gov/get-insured/buy-a-policy Accessed 6 Nov 2026.
- Hurricanes. Ready.gov (FEMA). https://www.ready.gov/hurricanes Accessed 6 Nov 2026.
- Safety Guidelines: Reentering Your Flooded Home. U.S. Centers for Disease Control and Prevention. https://www.cdc.gov/floods/safety/reentering-your-flooded-home-safety.html Accessed 6 Nov 2026.
- Section 627.7142, 2026 Florida Statutes. The Florida Senate (Florida Statutes). https://www.flsenate.gov/Laws/Statutes/2026/627.7142 Accessed 6 Nov 2026.
- A Brief Guide to Mold, Moisture and Your Home. U.S. Environmental Protection Agency. https://www.epa.gov/mold/brief-guide-mold-moisture-and-your-home Accessed 6 Nov 2026.
- Section 627.70132, 2026 Florida Statutes. The Florida Senate (Florida Statutes). https://www.flsenate.gov/Laws/Statutes/2026/627.70132 Accessed 6 Nov 2026.
- Section 468.8411, 2026 Florida Statutes. The Florida Senate (Florida Statutes). https://www.flsenate.gov/Laws/Statutes/2026/468.8411 Accessed 6 Nov 2026.
- Mold-Related Services: FAQs. Florida Department of Business and Professional Regulation. https://www2.myfloridalicense.com/mold-related-services/faqs/ Accessed 6 Nov 2026.
- Mold-Related Services. Florida Department of Business and Professional Regulation. https://www2.myfloridalicense.com/mold-related-services/ Accessed 6 Nov 2026.
- Mold removal cost. HomeGuide. https://homeguide.com/costs/mold-removal-cost Accessed 6 Nov 2026.
- Mold Remediation Cost Guide: What to Know + How Much You'll Pay. Bob Vila. https://www.bobvila.com/articles/mold-remediation-cost/ Accessed 6 Nov 2026.
- How Much Does Water Damage Restoration Cost?. HomeAdvisor. https://www.homeadvisor.com/cost/disaster-recovery/repair-water-damage/ Accessed 6 Nov 2026.
- How Much Does Water Damage Restoration Cost?. Bob Vila. https://www.bobvila.com/articles/water-damage-restoration-cost/ Accessed 6 Nov 2026.
- US postal codes. GeoNames (CC BY 4.0). https://download.geonames.org/export/zip/