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Flood Figures

ZIP 33133 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, 2,673 NFIP flood insurance policies are in force in ZIP 33133 (Miami, FL), with 1,417 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,673
Median annual premium
$1,166
premium only
Median annual cost
$1,534
premium + fees & surcharges
Mean annual premium
$2,378
premium only
Policies in SFHA zones
44.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$638,207,000
Contents coverage in force
$112,353,000

"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 33133 by rated flood zone
Policies Share Share bar
X 1,447 54.1%
AE 1,051 39.3%
VE 173 6.5%
AH 1 0.0%
A 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 33133 by occupancy type
Policies Share Share bar
Multi-unit buildings 1,350 50.5%
Single-family homes 1,081 40.4%
Units in multi-unit buildings 149 5.6%
Non-residential buildings 93 3.5%

Claims history since 1978

Claims since 1978
1,417
Total paid
$61,831,445
Paid on buildings
$49,088,668
Paid on contents
$12,742,777
NFIP claims filed per year in ZIP 33133, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 1 $635
1980 3 $242
1981 43 $10,539
1983 1 $150
1984 48 $130,106
1985 2 $3,915
1990 3 $19,108
1991 7 $23,109
1992 530 $29,433,023
1993 1 $0
1994 4 $14,081
1995 4 $292,900
1996 1 $3,345
1997 9 $258,126
1998 3 $0
1999 105 $1,434,944
2000 37 $473,482
2001 2 $0
2002 1 $0
2004 2 $0
2005 150 $2,723,348
2006 1 $0
2007 2 $15,201
2009 4 $57,209
2011 54 $1,655,283
2012 4 $221,889
2014 1 $0
2015 2 $49,719
2017 374 $24,477,031
2018 2 $0
2019 2 $138,707
2020 2 $69,367
2021 1 $0
2022 10 $325,984
2023 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1992 530 $29,433,023
2017 374 $24,477,031
2005 150 $2,723,348

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