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Flood Figures

ZIP 33142 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, 2,378 NFIP flood insurance policies are in force in ZIP 33142 (Miami, FL), with 694 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,378
Median annual premium
$638
premium only
Median annual cost
$953
premium + fees & surcharges
Mean annual premium
$939
premium only
Policies in SFHA zones
95.9%
zones A, AE, AH, AO, V, VE
Building coverage in force
$640,232,000
Contents coverage in force
$108,954,000

"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 33142 by rated flood zone
Policies Share Share bar
AE 1,477 62.1%
AH 772 32.5%
X 94 4.0%
AHB 35 1.5%

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 33142 by occupancy type
Policies Share Share bar
Single-family homes 1,245 52.4%
Multi-unit buildings 622 26.2%
Non-residential buildings 482 20.3%
Units in multi-unit buildings 29 1.2%

Claims history since 1978

Claims since 1978
694
Total paid
$10,859,988
Paid on buildings
$8,483,069
Paid on contents
$2,376,919
NFIP claims filed per year in ZIP 33142, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 2 $8,388
1980 2 $1,111
1981 7 $33,975
1983 1 $0
1984 1 $6,418
1985 2 $0
1988 1 $0
1991 9 $49,321
1992 26 $12,433
1993 6 $27,351
1994 7 $15,469
1995 2 $2,262
1997 1 $0
1998 2 $1,500
1999 132 $1,480,932
2000 281 $4,739,246
2001 10 $59,312
2002 3 $2,098
2003 2 $0
2004 7 $3,802
2005 44 $429,353
2006 6 $206,228
2007 3 $7,057
2008 6 $43,022
2009 11 $125,196
2010 3 $24,724
2011 4 $78,972
2012 2 $11,317
2013 1 $9,173
2014 1 $146
2015 2 $103,931
2016 2 $0
2017 30 $505,641
2019 4 $94,387
2020 48 $2,126,915
2021 1 $0
2022 9 $430,949
2023 9 $166,840
2024 4 $52,519

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2000 281 $4,739,246
2020 48 $2,126,915
1999 132 $1,480,932

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