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Flood Figures

ZIP 33139 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, 12,639 NFIP flood insurance policies are in force in ZIP 33139 (Miami Beach, FL), with 1,161 flood claims recorded since 1978.

Policies & premiums

Policies in force
12,639
Median annual premium
$2,800
premium only
Median annual cost
$3,582
premium + fees & surcharges
Mean annual premium
$4,053
premium only
Policies in SFHA zones
99.9%
zones A, AE, AH, AO, V, VE
Building coverage in force
$2,222,643,000
Contents coverage in force
$186,892,000

"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 33139 by rated flood zone
Policies Share Share bar
AE 12,632 99.9%
X 3 0.0%
VE 3 0.0%
A12 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 33139 by occupancy type
Policies Share Share bar
Multi-unit buildings 10,759 85.1%
Single-family homes 657 5.2%
Non-residential buildings 622 4.9%
Units in multi-unit buildings 600 4.7%
Mobile homes 1 0.0%

Claims history since 1978

Claims since 1978
1,161
Total paid
$20,794,584
Paid on buildings
$18,197,924
Paid on contents
$2,596,660
NFIP claims filed per year in ZIP 33139, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 3 $0
1979 11 $1,296
1980 6 $2,040
1981 13 $6,369
1982 7 $7,810
1983 2 $6,721
1984 24 $23,681
1985 2 $134,500
1987 1 $1,065
1991 27 $102,979
1992 171 $1,593,934
1993 4 $9,667
1994 24 $122,611
1995 7 $36,607
1996 2 $0
1997 8 $19,287
1998 9 $12,662
1999 101 $672,496
2000 16 $70,268
2001 5 $10,137
2002 4 $6,045
2003 1 $0
2004 7 $23,280
2005 59 $933,872
2006 2 $49,960
2007 28 $855,608
2008 12 $112,640
2009 235 $9,215,740
2010 27 $526,027
2011 17 $141,254
2012 18 $522,249
2013 16 $313,273
2015 10 $15,520
2016 9 $87,779
2017 203 $3,133,957
2018 1 $0
2019 1 $0
2020 14 $61,099
2021 1 $0
2022 14 $139,965
2023 14 $1,095,319
2024 12 $204,262
2025 12 $522,606
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2009 235 $9,215,740
2017 203 $3,133,957
1992 171 $1,593,934

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