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Flood Figures

ZIP 33016 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, 3,646 NFIP flood insurance policies are in force in ZIP 33016 (Hialeah, FL), with 831 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,646
Median annual premium
$409
premium only
Median annual cost
$574
premium + fees & surcharges
Mean annual premium
$483
premium only
Policies in SFHA zones
95.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$821,396,000
Contents coverage in force
$168,350,000

"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 33016 by rated flood zone
Policies Share Share bar
AE 2,760 75.7%
AH 711 19.5%
X 148 4.1%
AHB 27 0.7%

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 33016 by occupancy type
Policies Share Share bar
Single-family homes 2,130 58.4%
Multi-unit buildings 1,149 31.5%
Non-residential buildings 273 7.5%
Units in multi-unit buildings 94 2.6%

Claims history since 1978

Claims since 1978
831
Total paid
$12,359,784
Paid on buildings
$10,459,673
Paid on contents
$1,900,111
NFIP claims filed per year in ZIP 33016, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1981 1 $0
1982 2 $0
1985 1 $0
1992 31 $11,886
1993 4 $0
1994 23 $42,633
1995 31 $281,392
1996 10 $3,892
1997 12 $74,518
1998 7 $128,585
1999 269 $3,189,629
2000 167 $1,665,422
2001 9 $23,198
2002 15 $47,614
2003 11 $54,951
2004 9 $26,227
2005 87 $114,599
2006 2 $0
2007 9 $220,894
2008 5 $0
2009 1 $0
2010 9 $0
2011 7 $256,671
2012 10 $85,022
2014 2 $57,683
2015 2 $7,675
2016 1 $0
2017 24 $2,141,217
2018 3 $2,883
2019 6 $501,092
2020 47 $1,409,506
2022 2 $395,622
2023 6 $727,709
2024 5 $889,264
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1999 269 $3,189,629
2017 24 $2,141,217
2000 167 $1,665,422

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