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Flood Figures

ZIP 33127 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, 315 NFIP flood insurance policies are in force in ZIP 33127 (Miami, FL), with 35 flood claims recorded since 1978.

Policies & premiums

Policies in force
315
Median annual premium
$623
premium only
Median annual cost
$909
premium + fees & surcharges
Mean annual premium
$765
premium only
Policies in SFHA zones
60.5%
zones A, AE, AH, AO, V, VE
Building coverage in force
$79,824,000
Contents coverage in force
$23,438,000

"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 33127 by rated flood zone
Policies Share Share bar
AH 192 61.0%
X 118 37.5%
AHB 4 1.3%
AE 1 0.3%

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 33127 by occupancy type
Policies Share Share bar
Single-family homes 162 51.4%
Multi-unit buildings 84 26.7%
Non-residential buildings 69 21.9%

Claims history since 1978

Claims since 1978
35
Total paid
$439,121
Paid on buildings
$357,560
Paid on contents
$81,561
NFIP claims filed per year in ZIP 33127, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1983 1 $0
1984 2 $1,815
1987 2 $10,115
1992 3 $0
1993 1 $0
1994 2 $0
1999 5 $81,540
2000 9 $110,536
2005 1 $0
2011 1 $2,449
2014 2 $21,061
2016 1 $0
2017 1 $0
2019 1 $1,525
2020 2 $156,105
2024 1 $53,975

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2020 2 $156,105
2000 9 $110,536
1999 5 $81,540

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