Home and condo insurance in Pompano Beach, for the beach towers and the houses inland.

Condos on the water, houses behind Federal Highway

Pompano Beach stretches from the Atlantic and Hillsboro Inlet west past I-95. The 2020–2024 Census estimates count about 61,100 housing units. About 29% are detached houses. About 30% are in buildings with 50 or more units, the beach and Intracoastal condominiums. About half the stock is in buildings of 10 or more units. About 1,300 units, roughly 2%, are manufactured homes. That is a small share, and it is a different policy form from a site-built house. Of the occupied homes, about 55% are owner-occupied. About 8,100 units, roughly 13%, were vacant for seasonal or occasional use.

The median year built is 1974. About 30% of units were built in the 1970s. About 82% were built before 1990, and about 67% before 1980. The condominiums that line A1A and the Intracoastal, and a large share of the inland houses, are already old enough for the questions this page is about: roof settlement, wind mitigation, milestone inspections and a flood panel that changed in 2024. Census table C16001 counts about 1,300 residents age 5 and older who speak Russian, Polish or another Slavic language at home, about 1.2% of that age group. The line is not a count of Russian alone. About 34% of residents were born outside the United States.

Broward is in the High-Velocity Hurricane Zone. Florida Building Code section 1620 sets design wind speeds by risk category: 156 mph for Category I, 170 mph for Category II, 180 mph for Category III and 185 mph for Category IV. A typical house is Category II. Openings and roofing need an HVHZ product approval. Local interpretations go through the Broward County Board of Rules and Appeals. Most of these buildings predate the code those products were tested to.

Two buildings, one city

East of the Intracoastal the exposure is a condominium: wind on the upper floors, surge at the ground floor, and an association that insures the building shell. Florida Statute 718.111(11) keeps flooring, cabinets, appliances, the water heater, fixtures and personal property off that master policy. Those items belong on an HO-6, with liability and loss of use. Statute 627.714 requires at least $2,000 of loss-assessment coverage for your share of a covered loss to property the association insures. The association’s hurricane deductible, split among owners, can be larger than that floor. West of Federal Highway the more common building is a house, often from the 1970s, with its own roof and its own wind-mitigation inspection. Writing both on the same assumptions is how gaps get missed.

Buildings of three or more habitable stories need a milestone inspection, generally at 30 years and every 10 years after, or at 25 if the local official requires it, plus a structural integrity reserve study at least every 10 years. The certificate of occupancy is the clock. With a median year of 1974 and two-thirds of units built before 1980, many Pompano Beach condominiums are inside that schedule. An assessment to fund reserves or to pay for repairs the inspection required is generally not a loss-assessment claim. A manufactured home has a further wrinkle: it is not insured on a standard HO-3, and the tie-downs and the roof are underwriting questions on the form made for that building. Send the declarations. We will say which form you actually have.

Wind speeds in the code, and a gust the station measured

The 170 mph figure for a typical Broward house is a design speed in section 1620, not a forecast and not a promise about an older roof. During Hurricane Irma in 2017, the National Weather Service station at Pompano Beach measured a sustained wind of 69 mph and a gust of 88 mph. Most of coastal Broward saw gusts around 80 to 100 mph in that storm, with less structural damage than Wilma. Wilma, in October 2005, is the wind the National Hurricane Center scored as likely Category 2 in parts of Broward, with gusts near 100 knots at street level and stronger wind on upper floors. If openings were replaced after Wilma, the product approval should be in the association file or on the house’s wind-mitigation form. Insurers must give credit for features the form documents. Hurricane deductibles are offered at $500 or at 2%, 5% or 10% of the dwelling limit and apply once per calendar year. For policies issued or renewed since July 1, 2022, an insurer cannot refuse coverage only because the roof is under 15 years old.

The 2024 flood map, read for this lot

No homeowners policy and no HO-6 covers flood, including storm surge. Broward’s FEMA flood maps took effect on July 31, 2024. A beach parcel, an Intracoastal condominium and a house west of I-95 can each have moved, or not moved, relative to the prior map. Look up the panel. Do not borrow a citywide count from another Broward city. The extreme rain of April 12, 2023, which NOAA centered on Fort Lauderdale and Hollywood, is a reminder that a homeowners form excludes flood even when the water comes from the sky rather than the ocean. It is not a rainfall total for Pompano Beach, and this page does not treat it as one. An NFIP policy usually takes 30 days to start unless it is tied to a loan closing. The program caps are $250,000 for the building and $100,000 for contents. Those caps are not a rebuilding estimate. We read what you have. We do not quote a price on this page.

Property claims have a clock. Notice of a new claim is generally due within one year of the date of loss. Supplemental claims generally have 18 months. A loss-assessment claim follows the deadline in the statute and the form. M&K Agency is family-owned, with a team of 12 and more than 5,000 clients across Florida. Send us your policy and we’ll check your coverage.

More for this area

• Car insurance in Pompano Beach, FL
• Home and condo insurance in Broward County
• Guide: if someone gets hurt at your home (liability and umbrella)
• Florida hurricane deductible, explained

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