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Flood Figures

ZIP 33134 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, 1,409 NFIP flood insurance policies are in force in ZIP 33134 (Miami, FL), with 164 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,409
Median annual premium
$859
premium only
Median annual cost
$1,178
premium + fees & surcharges
Mean annual premium
$1,310
premium only
Policies in SFHA zones
26.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$337,447,000
Contents coverage in force
$55,182,000

"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 33134 by rated flood zone
Policies Share Share bar
AH 873 62.0%
X 512 36.3%
AHB 16 1.1%
AE 8 0.6%

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 33134 by occupancy type
Policies Share Share bar
Multi-unit buildings 815 57.8%
Single-family homes 461 32.7%
Non-residential buildings 93 6.6%
Units in multi-unit buildings 40 2.8%

Claims history since 1978

Claims since 1978
164
Total paid
$2,582,178
Paid on buildings
$2,346,846
Paid on contents
$235,332
NFIP claims filed per year in ZIP 33134, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 1 $185
1980 2 $600
1981 9 $12,446
1982 9 $9,048
1984 1 $0
1985 1 $0
1988 1 $0
1989 1 $0
1990 1 $0
1991 8 $60,521
1992 30 $350,306
1994 3 $4,045
1995 2 $6,772
1996 1 $3,134
1997 3 $86,818
1998 2 $10,911
1999 14 $207,337
2000 32 $479,459
2001 1 $0
2002 1 $1,635
2003 2 $0
2005 7 $12,732
2008 3 $72,574
2009 2 $5,117
2011 2 $11,393
2012 1 $26,275
2013 2 $19,993
2014 1 $0
2015 1 $0
2016 1 $46,480
2017 8 $283,404
2019 1 $0
2020 9 $870,993
2023 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2020 9 $870,993
2000 32 $479,459
1992 30 $350,306

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