Key Takeaways - Florida has more properties in FEMA flood zones than any other state - Flood insurance is required for federally backed mortgages on properties in Special Flood Hazard Areas - National Flood Insurance Program (NFIP) and private flood insurance are both available - Annual premiums vary widely based on zone designation, elevation, and structure type - A flood zone designation can change — always check the current FEMA map before you buy Florida leads the nation

Key Takeaways - Broward County has several programs specifically for first-time buyers - Down payment assistance of up to $80,000 is available for eligible buyers through certain programs - Income limits and purchase price limits apply to all assistance programs - You must complete a HUD-approved homebuyer education course to access most programs - Working with a lender familiar with these programs is essential — not all lenders are approved Broward County includes Fort Laud

Key Takeaways - Palm Beach County's median home price has risen significantly since 2020, requiring buyers to plan carefully - The county spans dramatically different markets — from Boca Raton to Belle Glade - Property taxes and insurance are higher in South Florida than the national average - Flood zone designation affects both insurance cost and property value - Local knowledge matters — work with a lender who knows this market Palm Beach County stretches 50 miles from the