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Flood Figures

ZIP 33034 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, 2,193 NFIP flood insurance policies are in force in ZIP 33034 (Homestead, FL), with 554 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,193
Median annual premium
$941
premium only
Median annual cost
$1,254
premium + fees & surcharges
Mean annual premium
$1,092
premium only
Policies in SFHA zones
93.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$506,296,000
Contents coverage in force
$54,822,000

"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 33034 by rated flood zone
Policies Share Share bar
AH 1,950 88.9%
X 138 6.3%
A 50 2.3%
AHB 46 2.1%
AE 8 0.4%
D 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 33034 by occupancy type
Policies Share Share bar
Single-family homes 1,840 83.9%
Mobile homes 136 6.2%
Multi-unit buildings 99 4.5%
Non-residential buildings 92 4.2%
Units in multi-unit buildings 26 1.2%

Claims history since 1978

Claims since 1978
554
Total paid
$4,714,813
Paid on buildings
$3,626,304
Paid on contents
$1,088,509
NFIP claims filed per year in ZIP 33034, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1980 1 $0
1981 14 $40,159
1988 5 $28,347
1992 57 $104,344
1994 2 $6,289
1996 2 $0
1997 10 $56,695
1998 12 $53,269
1999 118 $840,325
2000 20 $70,385
2001 2 $9,712
2002 1 $9,166
2003 3 $0
2004 7 $19,195
2005 242 $3,004,379
2006 2 $1,743
2007 4 $16,706
2008 4 $0
2009 1 $0
2010 1 $2,173
2011 3 $4,316
2012 2 $0
2014 1 $0
2015 9 $82,630
2016 2 $103,691
2017 24 $257,073
2022 1 $0
2023 2 $0
2024 1 $0
2025 1 $4,217

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2005 242 $3,004,379
1999 118 $840,325
2017 24 $257,073

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