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Flood Figures

ZIP 33141 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, 7,574 NFIP flood insurance policies are in force in ZIP 33141 (Miami Beach, FL), with 1,058 flood claims recorded since 1978.

Policies & premiums

Policies in force
7,574
Median annual premium
$3,131
premium only
Median annual cost
$3,859
premium + fees & surcharges
Mean annual premium
$3,976
premium only
Policies in SFHA zones
98.9%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,364,972,000
Contents coverage in force
$93,278,000

"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 33141 by rated flood zone
Policies Share Share bar
AE 7,526 99.4%
X 48 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 33141 by occupancy type
Policies Share Share bar
Multi-unit buildings 5,928 78.3%
Single-family homes 1,224 16.2%
Units in multi-unit buildings 284 3.7%
Non-residential buildings 134 1.8%
Mobile homes 4 0.1%

Claims history since 1978

Claims since 1978
1,058
Total paid
$14,969,520
Paid on buildings
$13,276,627
Paid on contents
$1,692,893
NFIP claims filed per year in ZIP 33141, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $0
1979 30 $553
1980 3 $1,583
1981 9 $3,016
1982 1 $0
1983 5 $0
1984 21 $17,202
1985 7 $153,023
1986 1 $0
1987 3 $43,860
1988 1 $0
1990 1 $0
1991 22 $42,821
1992 154 $966,201
1993 7 $90,576
1994 28 $101,003
1995 6 $21,396
1996 6 $32,220
1997 8 $24,929
1998 23 $227,484
1999 180 $838,447
2000 32 $44,403
2001 9 $2,302
2002 4 $0
2003 3 $0
2004 32 $27,803
2005 150 $3,043,265
2007 3 $66,172
2008 4 $0
2009 2 $0
2010 4 $0
2011 4 $17,717
2012 3 $409,213
2013 2 $28,783
2014 2 $0
2015 4 $10,183
2016 1 $42,835
2017 192 $6,754,964
2019 4 $48,703
2020 22 $306,912
2021 2 $0
2022 6 $93,347
2023 5 $16,454
2024 46 $1,469,195
2025 4 $22,952
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 192 $6,754,964
2005 150 $3,043,265
2024 46 $1,469,195

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