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Flood Figures

ZIP 33128 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, 545 NFIP flood insurance policies are in force in ZIP 33128 (Miami, FL), with 47 flood claims recorded since 1978.

Policies & premiums

Policies in force
545
Median annual premium
$1,679
premium only
Median annual cost
$2,278
premium + fees & surcharges
Mean annual premium
$2,268
premium only
Policies in SFHA zones
91.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$129,899,000
Contents coverage in force
$8,823,000

"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 33128 by rated flood zone
Policies Share Share bar
AE 435 79.8%
X 109 20.0%
AH 1 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 33128 by occupancy type
Policies Share Share bar
Multi-unit buildings 442 81.1%
Non-residential buildings 48 8.8%
Single-family homes 40 7.3%
Units in multi-unit buildings 15 2.8%

Claims history since 1978

Claims since 1978
47
Total paid
$1,866,406
Paid on buildings
$1,600,830
Paid on contents
$265,576
NFIP claims filed per year in ZIP 33128, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $0
1982 1 $0
1992 12 $536,122
1999 15 $279,325
2000 3 $19,844
2005 2 $43,266
2007 1 $213,159
2011 1 $25,703
2015 1 $0
2017 6 $601,155
2022 2 $147,830
2025 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 6 $601,155
1992 12 $536,122
1999 15 $279,325

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