Natural Disaster Risk — ZIP Code 33323
Fort Lauderdale, Florida
Risk Summary for ZIP 33323
ZIP 33323 scores 6.8/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 33323, Florida
ZIP 33323 in Fort Lauderdale sits near the Atlantic Coast of the southeastern United States. Its tropical climate produces warm temperatures year-round and high humidity, and notably a June–November hurricane season that defines the risk landscape. These conditions define the natural disaster environment for households across this ZIP code.
According to FEMA's National Risk Index, ZIP 33323 carries an overall risk score of 6.8/10, placing it in the high category. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. The area also faces notable exposure to hurricane and lightning.
Within Florida, ZIP 33323's risk is, slightly above the 5.7/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Florida identifies coastal flood as the foremost hazard, followed by hurricane and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, ZIP 33323 residents benefit from taking preparedness seriously. Reviewing insurance coverage for coastal flood and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for ZIP 33323: Coastal Flooding preparedness
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
Risk for the surrounding area
Local Factors for ZIP 33323
These city-level factors differentiate ZIP 33323 from other communities in Florida County and provide geographic context for its hazard exposure.
Population
23,589
SuburbanGeographic Zone
SE Atlantic Coast
Hurricane & coastal flood risk
Climate Band
Warm Subtropical
Latitude 26.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 9.7/10
Coordinates
26.1499° N, 80.3222° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 33323
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Florida
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.