Skip to content
Flood Figures

ZIP 32550 flood insurance data

Computed from OpenFEMA FIMA NFIP Redacted Policies (v2) and OpenFEMA FIMA NFIP Redacted Claims (v2). Policy data as of June 1, 2026; claims recorded through June 1, 2026.

As of June 1, 2026, 6,784 NFIP flood insurance policies are in force in ZIP 32550 (Miramar Beach, FL), with 1,040 flood claims recorded since 1978.

Policies & premiums

Policies in force
6,784
Median annual premium
$788
premium only
Median annual cost
$1,086
premium + fees & surcharges
Mean annual premium
$1,100
premium only
Policies in SFHA zones
33.4%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,573,285,000
Contents coverage in force
$187,457,000

"Premium" is the policy premium alone; "cost" adds federal fees and surcharges. In-force counts are an approximation derived from policy effective, termination, and cancellation dates — see methodology.

Flood zones of insured properties

NFIP policies in ZIP 32550 by rated flood zone
Policies Share Share bar
X 5,195 76.6%
AE 1,092 16.1%
VE 470 6.9%
A 26 0.4%
C 1 0.0%

Distribution of insured properties by the flood zone used in their policy rating — not a map of land area. Numbered zones (A1–A30, V1–V30) and Zones B and C appear on older FEMA map panels; B and C correspond to today's shaded and unshaded Zone X.

What the policies cover

NFIP policies in ZIP 32550 by occupancy type
Policies Share Share bar
Multi-unit buildings 4,764 70.2%
Single-family homes 1,377 20.3%
Units in multi-unit buildings 433 6.4%
Non-residential buildings 206 3.0%
Mobile homes 4 0.1%

Claims history since 1978

Claims since 1978
1,040
Total paid
$27,556,073
Paid on buildings
$25,179,685
Paid on contents
$2,376,387
NFIP claims filed per year in ZIP 32550, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1985 1 $0
1991 1 $2,603
1994 1 $0
1995 164 $6,245,284
1996 2 $0
1998 96 $284,961
1999 1 $0
2000 2 $0
2001 6 $0
2002 9 $0
2003 6 $19,300
2004 244 $6,856,942
2005 243 $6,227,260
2006 2 $5,900
2007 2 $10,956
2008 7 $85,393
2009 2 $0
2010 1 $23,336
2012 3 $26,632
2013 8 $3,109
2014 166 $5,968,987
2015 4 $2,434
2016 1 $0
2018 11 $16,284
2019 1 $0
2020 39 $1,047,016
2021 5 $415,010
2022 4 $75,346
2023 2 $24,982
2024 6 $214,337

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2004 244 $6,856,942
1995 164 $6,245,284
2005 243 $6,227,260

Related pages