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Flood Figures

ZIP 33030 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, 1,931 NFIP flood insurance policies are in force in ZIP 33030 (Homestead, FL), with 869 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,931
Median annual premium
$799
premium only
Median annual cost
$1,061
premium + fees & surcharges
Mean annual premium
$978
premium only
Policies in SFHA zones
89.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$466,276,000
Contents coverage in force
$91,635,000

"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 33030 by rated flood zone
Policies Share Share bar
AH 1,609 83.3%
X 199 10.3%
AHB 107 5.5%
A 13 0.7%
AE 3 0.2%

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 33030 by occupancy type
Policies Share Share bar
Single-family homes 1,752 90.7%
Non-residential buildings 120 6.2%
Multi-unit buildings 52 2.7%
Mobile homes 6 0.3%
Units in multi-unit buildings 1 0.1%

Claims history since 1978

Claims since 1978
869
Total paid
$9,109,547
Paid on buildings
$7,577,269
Paid on contents
$1,532,278
NFIP claims filed per year in ZIP 33030, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 5 $1,768
1980 1 $0
1981 67 $78,707
1983 1 $0
1985 1 $0
1988 2 $1,467
1990 1 $0
1991 1 $0
1992 117 $84,677
1994 1 $0
1995 1 $0
1997 2 $798
1998 5 $5,685
1999 149 $1,375,651
2000 56 $286,981
2001 1 $0
2002 1 $0
2003 2 $0
2004 10 $32,305
2005 379 $6,169,609
2007 1 $0
2009 1 $0
2011 5 $60,925
2013 1 $5,856
2015 6 $53,612
2016 3 $72,755
2017 32 $378,362
2018 1 $0
2019 2 $0
2020 1 $1,540
2022 5 $390,501
2023 3 $48,145
2024 2 $60,201
2025 3 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2005 379 $6,169,609
1999 149 $1,375,651
2022 5 $390,501

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