Skip to content
Flood Figures

ZIP 33132 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, 3,316 NFIP flood insurance policies are in force in ZIP 33132 (Miami, FL), with 89 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,316
Median annual premium
$1,163
premium only
Median annual cost
$1,779
premium + fees & surcharges
Mean annual premium
$2,333
premium only
Policies in SFHA zones
83.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$641,201,000
Contents coverage in force
$27,956,000

"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 33132 by rated flood zone
Policies Share Share bar
AE 3,273 98.7%
X 32 1.0%
VE 10 0.3%
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 33132 by occupancy type
Policies Share Share bar
Multi-unit buildings 3,137 94.6%
Non-residential buildings 94 2.8%
Units in multi-unit buildings 84 2.5%
Single-family homes 1 0.0%

Claims history since 1978

Claims since 1978
89
Total paid
$1,251,284
Paid on buildings
$1,158,039
Paid on contents
$93,244
NFIP claims filed per year in ZIP 33132, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 2 $840
1981 5 $5,205
1982 2 $0
1983 2 $129
1984 6 $14,776
1985 2 $3,511
1986 2 $2,114
1987 3 $5,270
1990 1 $188
1991 1 $15,730
1992 5 $1,026
1994 6 $31,756
1998 3 $142,609
1999 5 $94,070
2000 4 $23,289
2001 1 $7,447
2002 1 $0
2004 2 $0
2005 6 $99,408
2009 1 $0
2011 7 $54,927
2012 3 $0
2014 2 $18,406
2015 3 $56,446
2017 7 $182,046
2019 2 $90,561
2022 5 $401,530

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2022 5 $401,530
2017 7 $182,046
1998 3 $142,609

Related pages