Skip to content
Flood Figures

ZIP 33138 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, 4,214 NFIP flood insurance policies are in force in ZIP 33138 (Miami, FL), with 784 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,214
Median annual premium
$1,130
premium only
Median annual cost
$1,461
premium + fees & surcharges
Mean annual premium
$1,603
premium only
Policies in SFHA zones
81.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$979,742,000
Contents coverage in force
$116,743,000

"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 33138 by rated flood zone
Policies Share Share bar
AE 3,387 80.4%
X 494 11.7%
VE 281 6.7%
AH 50 1.2%
A14 1 0.0%
AHB 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 33138 by occupancy type
Policies Share Share bar
Multi-unit buildings 2,450 58.1%
Single-family homes 1,569 37.2%
Non-residential buildings 101 2.4%
Units in multi-unit buildings 94 2.2%

Claims history since 1978

Claims since 1978
784
Total paid
$9,203,077
Paid on buildings
$7,672,654
Paid on contents
$1,530,424
NFIP claims filed per year in ZIP 33138, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 6 $2,181
1980 10 $9,477
1981 7 $1,394
1982 3 $812
1983 1 $4,061
1984 12 $52,143
1986 4 $9,097
1989 1 $0
1990 2 $0
1991 27 $32,817
1992 79 $145,754
1993 3 $0
1994 26 $121,408
1995 3 $0
1996 3 $2,710
1997 3 $0
1998 8 $11,783
1999 125 $561,765
2000 123 $567,753
2001 1 $0
2002 4 $29,990
2003 3 $0
2004 1 $0
2005 50 $439,228
2007 2 $0
2008 1 $0
2009 9 $10,524
2010 1 $0
2011 6 $23,779
2013 4 $9,296
2015 5 $15,942
2016 5 $5,000
2017 166 $5,562,903
2018 1 $0
2019 4 $50,053
2020 37 $754,605
2021 3 $83,376
2022 9 $191,328
2023 7 $201,072
2024 17 $302,827
2025 1 $0
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 166 $5,562,903
2020 37 $754,605
2000 123 $567,753

Related pages