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Flood Figures

ZIP 33143 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, 4,081 NFIP flood insurance policies are in force in ZIP 33143 (Miami, FL), with 730 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,081
Median annual premium
$866
premium only
Median annual cost
$1,142
premium + fees & surcharges
Mean annual premium
$1,264
premium only
Policies in SFHA zones
61.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$843,306,000
Contents coverage in force
$154,544,000

"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 33143 by rated flood zone
Policies Share Share bar
AH 2,663 65.3%
X 926 22.7%
AE 455 11.1%
AHB 29 0.7%
VE 8 0.2%

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 33143 by occupancy type
Policies Share Share bar
Multi-unit buildings 2,056 50.4%
Single-family homes 1,872 45.9%
Non-residential buildings 84 2.1%
Units in multi-unit buildings 69 1.7%

Claims history since 1978

Claims since 1978
730
Total paid
$6,606,193
Paid on buildings
$5,462,469
Paid on contents
$1,143,723
NFIP claims filed per year in ZIP 33143, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 2 $514
1980 2 $0
1981 7 $10,581
1982 8 $1,793
1984 1 $0
1990 3 $0
1991 12 $33,616
1992 178 $1,945,140
1994 5 $1,179
1995 7 $7,915
1997 17 $33,460
1998 3 $0
1999 97 $511,254
2000 43 $365,813
2002 2 $0
2003 3 $10,363
2004 5 $0
2005 142 $1,153,427
2006 1 $0
2007 3 $9,379
2008 2 $22,629
2009 1 $0
2010 2 $5,399
2011 34 $770,112
2012 2 $0
2013 21 $79,333
2014 1 $0
2017 72 $1,196,904
2018 1 $0
2019 3 $45,087
2020 3 $1,313
2021 1 $0
2022 46 $400,982

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1992 178 $1,945,140
2017 72 $1,196,904
2005 142 $1,153,427

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