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Flood Figures

ZIP 33125 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, 2,770 NFIP flood insurance policies are in force in ZIP 33125 (Miami, FL), with 664 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,770
Median annual premium
$846
premium only
Median annual cost
$1,161
premium + fees & surcharges
Mean annual premium
$1,179
premium only
Policies in SFHA zones
97.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$603,342,000
Contents coverage in force
$49,330,000

"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 33125 by rated flood zone
Policies Share Share bar
AE 2,705 97.7%
X 55 2.0%
AH 9 0.3%
A 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 33125 by occupancy type
Policies Share Share bar
Multi-unit buildings 1,357 49.0%
Single-family homes 1,269 45.8%
Non-residential buildings 97 3.5%
Units in multi-unit buildings 47 1.7%

Claims history since 1978

Claims since 1978
664
Total paid
$7,494,672
Paid on buildings
$6,365,988
Paid on contents
$1,128,684
NFIP claims filed per year in ZIP 33125, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 2 $19,529
1980 1 $19,635
1981 2 $4,402
1984 4 $9,078
1986 1 $0
1987 2 $0
1991 3 $1,922
1992 27 $198,929
1993 3 $15,587
1994 7 $32,011
1995 1 $0
1996 3 $3,557
1997 2 $20,471
1998 2 $8,053
1999 195 $1,283,851
2000 181 $1,584,560
2001 2 $728
2002 2 $19,272
2003 4 $0
2004 4 $17,780
2005 45 $215,320
2006 4 $0
2007 1 $0
2008 1 $15,303
2009 2 $74,150
2010 3 $0
2011 5 $52,178
2013 4 $45,134
2014 3 $8,017
2015 1 $33,127
2017 96 $3,092,316
2019 10 $193,752
2020 18 $261,738
2021 1 $0
2022 8 $44,161
2023 12 $220,110
2026 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 96 $3,092,316
2000 181 $1,584,560
1999 195 $1,283,851

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