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Flood Figures

ZIP 33033 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, 6,310 NFIP flood insurance policies are in force in ZIP 33033 (Homestead, FL), with 1,023 flood claims recorded since 1978.

Policies & premiums

Policies in force
6,310
Median annual premium
$868
premium only
Median annual cost
$1,107
premium + fees & surcharges
Mean annual premium
$986
premium only
Policies in SFHA zones
93.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,507,662,000
Contents coverage in force
$248,779,000

"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 33033 by rated flood zone
Policies Share Share bar
AH 5,483 86.9%
X 391 6.2%
AHB 334 5.3%
AE 101 1.6%
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 33033 by occupancy type
Policies Share Share bar
Single-family homes 6,042 95.8%
Non-residential buildings 111 1.8%
Multi-unit buildings 86 1.4%
Units in multi-unit buildings 70 1.1%
Mobile homes 1 0.0%

Claims history since 1978

Claims since 1978
1,023
Total paid
$4,927,785
Paid on buildings
$3,878,855
Paid on contents
$1,048,929
NFIP claims filed per year in ZIP 33033, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 11 $0
1980 2 $4,891
1981 28 $14,393
1982 1 $0
1983 1 $0
1986 2 $0
1988 1 $0
1991 1 $0
1992 267 $187,158
1993 1 $0
1994 8 $10,619
1995 1 $0
1996 1 $0
1997 7 $19,357
1998 6 $0
1999 113 $437,886
2000 29 $50,522
2001 1 $2,516
2003 5 $6,823
2004 4 $0
2005 376 $3,136,133
2006 3 $37,323
2007 4 $0
2008 2 $8,969
2009 6 $16,634
2010 3 $7,561
2011 5 $24,766
2012 7 $12,164
2013 2 $756
2014 1 $0
2015 2 $0
2016 3 $7,246
2017 83 $789,033
2018 5 $0
2020 10 $86,917
2021 2 $0
2022 8 $49,220
2023 6 $16,897
2024 4 $0
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2005 376 $3,136,133
2017 83 $789,033
1999 113 $437,886

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