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Flood Figures

ZIP 33131 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, 3,687 NFIP flood insurance policies are in force in ZIP 33131 (Miami, FL), with 174 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,687
Median annual premium
$477
premium only
Median annual cost
$840
premium + fees & surcharges
Mean annual premium
$1,963
premium only
Policies in SFHA zones
96.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$768,052,000
Contents coverage in force
$38,292,000

"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 33131 by rated flood zone
Policies Share Share bar
AE 2,437 66.1%
VE 1,139 30.9%
X 110 3.0%
AH 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 33131 by occupancy type
Policies Share Share bar
Multi-unit buildings 3,326 90.2%
Units in multi-unit buildings 248 6.7%
Non-residential buildings 109 3.0%
Single-family homes 4 0.1%

Claims history since 1978

Claims since 1978
174
Total paid
$7,648,152
Paid on buildings
$7,018,678
Paid on contents
$629,474
NFIP claims filed per year in ZIP 33131, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 11 $45,002
1980 1 $0
1982 1 $0
1984 6 $2,638
1987 1 $0
1989 1 $2,873
1992 36 $2,764,231
1993 1 $15,065
1994 2 $0
1995 7 $430,712
1998 2 $8,115
1999 8 $213,779
2000 4 $8,891
2001 2 $145,988
2004 4 $6,025
2005 19 $458,860
2007 2 $4,938
2011 2 $8,180
2014 3 $5,424
2015 2 $0
2016 2 $0
2017 51 $3,368,753
2019 1 $0
2020 1 $0
2022 2 $0
2023 1 $158,678
2024 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 51 $3,368,753
1992 36 $2,764,231
2005 19 $458,860

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