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Flood Figures

ZIP 33137 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, 4,985 NFIP flood insurance policies are in force in ZIP 33137 (Miami, FL), with 272 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,985
Median annual premium
$1,130
premium only
Median annual cost
$1,506
premium + fees & surcharges
Mean annual premium
$1,925
premium only
Policies in SFHA zones
67.4%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,186,621,000
Contents coverage in force
$55,121,000

"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 33137 by rated flood zone
Policies Share Share bar
AE 2,615 52.5%
X 1,343 26.9%
VE 1,023 20.5%
AH 2 0.0%
A 2 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 33137 by occupancy type
Policies Share Share bar
Multi-unit buildings 4,451 89.3%
Single-family homes 335 6.7%
Non-residential buildings 117 2.3%
Units in multi-unit buildings 82 1.6%

Claims history since 1978

Claims since 1978
272
Total paid
$6,763,487
Paid on buildings
$6,388,808
Paid on contents
$374,679
NFIP claims filed per year in ZIP 33137, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 5 $10,664
1981 4 $6,515
1982 5 $857
1983 6 $10,390
1984 7 $18,012
1986 1 $0
1987 2 $1
1991 3 $1,162
1992 54 $625,067
1993 1 $0
1994 17 $206,296
1997 2 $10,075
1998 1 $535
1999 39 $343,833
2000 7 $24,426
2001 1 $0
2005 7 $68,908
2008 1 $8,866
2009 4 $37,197
2011 13 $119,786
2012 1 $0
2013 1 $0
2015 5 $147,850
2017 46 $2,490,179
2018 3 $0
2019 9 $1,571,126
2020 11 $506,061
2021 5 $138,491
2022 5 $399,862
2023 3 $0
2024 2 $17,328
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 46 $2,490,179
2019 9 $1,571,126
1992 54 $625,067

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