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Flood Figures

ZIP 33032 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, 8,121 NFIP flood insurance policies are in force in ZIP 33032 (Homestead, FL), with 900 flood claims recorded since 1978.

Policies & premiums

Policies in force
8,121
Median annual premium
$859
premium only
Median annual cost
$1,094
premium + fees & surcharges
Mean annual premium
$999
premium only
Policies in SFHA zones
97.5%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,910,778,000
Contents coverage in force
$265,446,000

"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 33032 by rated flood zone
Policies Share Share bar
AE 5,806 71.5%
AH 1,838 22.6%
X 431 5.3%
AHB 45 0.6%
VE 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 33032 by occupancy type
Policies Share Share bar
Single-family homes 7,427 91.5%
Multi-unit buildings 514 6.3%
Units in multi-unit buildings 124 1.5%
Non-residential buildings 56 0.7%

Claims history since 1978

Claims since 1978
900
Total paid
$5,990,778
Paid on buildings
$4,678,605
Paid on contents
$1,312,173
NFIP claims filed per year in ZIP 33032, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 4 $0
1980 4 $0
1981 18 $18,296
1982 1 $133
1983 1 $0
1987 1 $752
1988 1 $6,126
1989 1 $0
1991 2 $565
1992 226 $138,065
1994 2 $3,028
1995 1 $0
1998 4 $0
1999 62 $236,774
2000 37 $184,252
2001 5 $15,051
2002 1 $0
2003 2 $0
2004 1 $4,870
2005 390 $4,179,311
2006 1 $0
2007 2 $4,764
2008 5 $3,504
2009 4 $0
2010 1 $0
2011 7 $1,593
2012 6 $9,633
2013 1 $0
2014 2 $0
2015 1 $0
2016 1 $0
2017 80 $1,039,012
2018 1 $0
2019 1 $0
2020 3 $27,948
2021 1 $0
2022 7 $0
2023 7 $19,181
2024 2 $63,279
2025 2 $510
2026 1 $34,132

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2005 390 $4,179,311
2017 80 $1,039,012
1999 62 $236,774

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