On FEMA’s figures, Roosevelt Gardens faces more hazard damage per building than 85% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Roosevelt Gardens gets a C− for hazard risk: higher expected damage per building than 85% of U.S. towns, #383 of 638 in Florida. Most of that expected damage is river and rain flooding (57%), then hurricanes (42%). Flood insurance has paid 138 claims here since 1979.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What stands out about Roosevelt Gardens’ natural hazards
From FEMA’s model and FEMA’s records, below.
What Roosevelt Gardens faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Roosevelt Gardens’ grade
River and rain flooding is 57% of the building damage FEMA expects in Roosevelt Gardens, and Roosevelt Gardens’ rate of river and rain flooding damage is higher than 78% of U.S. census tracts. Hurricanes add 42%, at a rate in the top 7% of U.S. census tracts.
C− #383 of 638 in Florida; higher expected damage per building than 85% of U.S. towns (21,298).
Roosevelt Gardens’ residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Roosevelt Gardens has more expected damage per building than 60% of Florida towns.
In dollars, FEMA expects about $543K a year in losses across Roosevelt Gardens: $430K to buildings, the rest to people and crops.
Does Roosevelt Gardens flood? Yes: 138 flood claims since 1979
Every paid claim on a federal flood insurance policy in Roosevelt Gardens, from FEMA’s records: 124.8 per 1,000 homes, more than 97% of the 13,809 U.S. towns with a flood insurance record.
- The April Florida Flooding54 claims · $3.8M
- Hurricane Eta16 claims · $640K
- Hurricane Irene13 claims · $48K
Roosevelt Gardens isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Broward County.The storms Roosevelt Gardens remembers
None of the 32 disasters declared for Broward County shows FEMA aid or repair money reaching Roosevelt Gardens itself in FEMA’s records, so these are its biggest flood-claim years.
- 202356 flood claims paidThe year of Severe Storms, Tornadoes, and Flooding, declared for Broward County
- 202017 flood claims paidThe year of Hurricane Isaias, declared for Broward County
- 199913 flood claims paidThe year of Fl-hurricane Irene-dr-req, declared for Broward County
Broward County has had 32 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Broward County, 1999–1999.
Old photos of Roosevelt Gardens after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Roosevelt Gardens archive →Roosevelt Gardens and its neighbors
Roosevelt Gardens is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Lauderhill | C−more damage than 81% | river and rain flooding | 1,021 |
| Roosevelt Gardens | C−more damage than 85% | river and rain flooding | 138 |
| Fort Lauderdale | Dmore damage than 86% | river and rain flooding | 3,894 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Roosevelt Gardens faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Roosevelt Gardens
Is Roosevelt Gardens at risk for natural disasters?
On FEMA’s National Risk Index, Roosevelt Gardens has higher expected damage per building than 85% of U.S. towns: C− for hazard risk, #383 of 638 in Florida. Most of the expected damage is river and rain flooding (57%) and hurricanes (42%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Roosevelt Gardens flood?
Flood insurance has paid 138 claims in Roosevelt Gardens since 1979, $7.5M in all, or 124.8 per 1,000 homes, more than 97% of U.S. towns with a flood insurance record. The most claims came from April Florida Flooding (54).
Is Roosevelt Gardens in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Broward County, 76% of homes in mapped flood zones carry federal flood insurance, and 19.2% of all homes do.
How much is flood insurance in Roosevelt Gardens?
FEMA’s Community Rating System list shows no discount for Roosevelt Gardens’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Roosevelt Gardens?
By flood claims, April Florida Flooding: 54 paid, $3.8M.
Is Roosevelt Gardens at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (57%), and Roosevelt Gardens’ rate for it is higher than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Roosevelt Gardens.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Roosevelt Gardens’ residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.