Flood insurance premiums in Fort Lauderdale are rising, with nearly all policies seeing increases under FEMA's updated pricing model. While most increases are modest, waterfront properties and homes with higher rebuild costs may face steeper premiums. Buyers who fail to inquire about policy assignment risk paying significantly higher rates. Additionally, properties below their full-risk rate will continue to see annual increases until they reach that level. Understanding these dynamics is crucial for budgeting and negotiating during home purchases.