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Flood Figures

ZIP 33140 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, 4,357 NFIP flood insurance policies are in force in ZIP 33140 (Miami Beach, FL), with 1,172 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,357
Median annual premium
$3,077
premium only
Median annual cost
$3,748
premium + fees & surcharges
Mean annual premium
$3,578
premium only
Policies in SFHA zones
99.4%
zones A, AE, AH, AO, V, VE
Building coverage in force
$959,553,000
Contents coverage in force
$171,157,000

"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 33140 by rated flood zone
Policies Share Share bar
AE 4,341 99.6%
X 15 0.3%
AH 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 33140 by occupancy type
Policies Share Share bar
Multi-unit buildings 2,139 49.1%
Single-family homes 1,826 41.9%
Units in multi-unit buildings 204 4.7%
Non-residential buildings 188 4.3%

Claims history since 1978

Claims since 1978
1,172
Total paid
$17,997,624
Paid on buildings
$15,683,612
Paid on contents
$2,314,012
NFIP claims filed per year in ZIP 33140, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $4,916
1979 11 $1,269
1980 2 $69
1981 7 $1,110
1982 6 $11,668
1983 3 $26,539
1984 30 $64,049
1985 1 $395
1986 3 $1,565
1987 18 $36,966
1991 34 $121,663
1992 192 $1,459,964
1993 7 $10,906
1994 39 $162,210
1995 10 $67,040
1996 4 $23,981
1997 11 $5,857
1998 15 $7,574
1999 209 $1,503,965
2000 31 $193,796
2001 4 $0
2002 8 $33,564
2003 1 $0
2004 18 $121,312
2005 64 $918,536
2006 1 $0
2007 20 $155,488
2008 5 $219,950
2009 110 $2,920,858
2010 4 $0
2011 9 $129,376
2012 5 $0
2013 13 $142,161
2014 2 $0
2015 3 $0
2016 5 $0
2017 133 $3,592,785
2018 1 $12,446
2019 1 $0
2020 24 $444,013
2021 11 $44,129
2022 16 $445,881
2023 11 $534,638
2024 53 $3,202,818
2025 16 $1,374,170

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 133 $3,592,785
2024 53 $3,202,818
2009 110 $2,920,858

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