Skip to content
Flood Figures

ZIP 33109 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, 592 NFIP flood insurance policies are in force in ZIP 33109 (Miami Beach, FL), with 46 flood claims recorded since 1978.

Policies & premiums

Policies in force
592
Median annual premium
$1,871
premium only
Median annual cost
$2,476
premium + fees & surcharges
Mean annual premium
$3,938
premium only
Policies in SFHA zones
88.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$149,711,000
Contents coverage in force
$16,601,000

"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 33109 by rated flood zone
Policies Share Share bar
AE 416 70.3%
X 115 19.4%
VE 61 10.3%

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 33109 by occupancy type
Policies Share Share bar
Multi-unit buildings 454 76.7%
Units in multi-unit buildings 87 14.7%
Non-residential buildings 39 6.6%
Single-family homes 12 2.0%

Claims history since 1978

Claims since 1978
46
Total paid
$1,064,598
Paid on buildings
$896,306
Paid on contents
$168,292
NFIP claims filed per year in ZIP 33109, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1990 1 $0
1992 6 $199,708
1994 3 $30,548
1995 1 $1,677
1997 1 $0
1999 5 $64,664
2000 1 $7,697
2005 1 $0
2009 6 $452,136
2011 5 $308,169
2017 15 $0
2023 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2009 6 $452,136
2011 5 $308,169
1992 6 $199,708

Related pages