Navarro was born in 1971 in Nicaragua, the daughter of Violeta Flores Lopez and José Augusto Navarro Flores. She and her family moved to the United States in 1980, because of political turmoil. She attended the Carrollton School of the Sacred Heart, a private Catholic college preparatory day school for girls in Coconut Grove, a neighborhood of the city of Miami, Florida, and is a graduate of the University of Miami. She obtained a Bachelor of Arts in Latin American Studies and Political Science in 1993. In 1997, she obtained a Juris Doctor from St. Thomas University Law School.