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Flood Figures

ZIP 33035 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, 1,237 NFIP flood insurance policies are in force in ZIP 33035 (Homestead, FL), with 163 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,237
Median annual premium
$884
premium only
Median annual cost
$1,165
premium + fees & surcharges
Mean annual premium
$1,127
premium only
Policies in SFHA zones
77.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$294,512,000
Contents coverage in force
$43,724,000

"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 33035 by rated flood zone
Policies Share Share bar
AH 887 71.7%
X 306 24.7%
AHB 27 2.2%
AE 14 1.1%
A 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 33035 by occupancy type
Policies Share Share bar
Single-family homes 1,102 89.1%
Units in multi-unit buildings 56 4.5%
Multi-unit buildings 53 4.3%
Non-residential buildings 26 2.1%

Claims history since 1978

Claims since 1978
163
Total paid
$1,278,488
Paid on buildings
$1,135,545
Paid on contents
$142,943
NFIP claims filed per year in ZIP 33035, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1981 3 $0
1992 60 $12,839
1993 1 $0
1995 2 $0
1996 1 $0
1997 2 $262
1998 1 $0
1999 32 $466,237
2000 6 $133,684
2005 43 $665,467
2006 2 $0
2008 1 $0
2010 1 $0
2012 1 $0
2017 3 $0
2019 2 $0
2020 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2005 43 $665,467
1999 32 $466,237
2000 6 $133,684

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