Miami, FL flood insurance data
Computed from OpenFEMA FIMA NFIP Redacted Policies (v2) and OpenFEMA FIMA NFIP Redacted Claims (v2). Data as of June 1, 2026.
As of June 1, 2026, 166,588 NFIP flood insurance policies are in force across the ZIP codes of Miami, Florida, with 44,082 flood claims recorded since 1978.
City totals
- Policies in force
- 166,588
- Median annual premium
- $737
- premium only
- Median annual cost
- $978
- premium + fees & surcharges
- Policies in SFHA zones
- 86.0%
- zones A, AE, AH, AO, V, VE
- Claims since 1978
- 44,082
- Total paid
- $623,862,240
City totals include all ZIP codes in this city, some of which do not have individual pages. Summing the ZIP pages below therefore gives a smaller number than the city total — see methodology.
ZIP codes in Miami
- 33180
- 33186
- 33175
- 33157
- 33173
- 33181
- 33126
- 33161
- 33137
- 33196
- 33178
- 33189
- 33183
- 33138
- 33143
- 33179
- 33156
- 33131
- 33185
- 33177
- 33174
- 33166
- 33176
- 33132
- 33169
- 33190
- 33147
- 33125
- 33130
- 33133
- 33184
- 33142
- 33155
- 33193
- 33172
- 33170
- 33129
- 33158
- 33134
- 33162
- 33165
- 33187
- 33150
- 33144
- 33194
- 33146
- 33182
- 33167
- 33128
- 33136
- 33168
- 33122
- 33127
- 33135
- 33145
- 33101
56 of the 61 ZIP codes in Miami meet the data threshold for an individual page. The remaining 5 are included in the city totals above but have no separate page.
Related pages
- State page: Flood insurance in Florida
- Tool: look up a ZIP in Miami
- Reading: What is the NFIP? · How these figures are computed