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Flood Figures

ZIP 33126 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, 5,182 NFIP flood insurance policies are in force in ZIP 33126 (Miami, FL), with 970 flood claims recorded since 1978.

Policies & premiums

Policies in force
5,182
Median annual premium
$729
premium only
Median annual cost
$991
premium + fees & surcharges
Mean annual premium
$1,143
premium only
Policies in SFHA zones
92.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$786,821,000
Contents coverage in force
$63,213,000

"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 33126 by rated flood zone
Policies Share Share bar
AH 3,619 69.8%
AHB 690 13.3%
AE 637 12.3%
X 236 4.6%

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 33126 by occupancy type
Policies Share Share bar
Multi-unit buildings 3,940 76.0%
Single-family homes 859 16.6%
Non-residential buildings 225 4.3%
Units in multi-unit buildings 158 3.0%

Claims history since 1978

Claims since 1978
970
Total paid
$32,241,103
Paid on buildings
$28,990,206
Paid on contents
$3,250,897
NFIP claims filed per year in ZIP 33126, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 4 $2,651
1981 6 $3,947
1982 3 $1,577
1983 1 $0
1984 2 $1,800
1986 3 $15,014
1987 1 $0
1990 2 $1,354
1991 9 $186,065
1992 27 $4,885
1993 3 $236,796
1994 6 $40,792
1996 1 $0
1997 14 $30,502
1998 5 $47,966
1999 202 $3,106,612
2000 439 $12,224,413
2001 4 $2,513
2002 1 $0
2003 3 $0
2004 1 $0
2005 18 $48,167
2006 2 $9,178
2007 1 $13,256
2009 3 $72,551
2010 4 $17,821
2011 3 $20,557
2012 15 $1,107,138
2013 9 $9,322
2017 33 $924,302
2019 1 $0
2020 128 $13,668,058
2021 2 $22,808
2022 3 $20,499
2023 7 $400,560
2024 2 $0
2025 1 $0
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2020 128 $13,668,058
2000 439 $12,224,413
1999 202 $3,106,612

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