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Flood Figures

ZIP 33147 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, 3,049 NFIP flood insurance policies are in force in ZIP 33147 (Miami, FL), with 569 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,049
Median annual premium
$460
premium only
Median annual cost
$680
premium + fees & surcharges
Mean annual premium
$544
premium only
Policies in SFHA zones
97.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$709,419,000
Contents coverage in force
$117,261,000

"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 33147 by rated flood zone
Policies Share Share bar
AH 2,869 94.1%
X 86 2.8%
AHB 70 2.3%
AE 24 0.8%

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 33147 by occupancy type
Policies Share Share bar
Single-family homes 2,557 83.9%
Multi-unit buildings 266 8.7%
Non-residential buildings 223 7.3%
Units in multi-unit buildings 3 0.1%

Claims history since 1978

Claims since 1978
569
Total paid
$6,001,907
Paid on buildings
$4,326,410
Paid on contents
$1,675,496
NFIP claims filed per year in ZIP 33147, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 8 $57,088
1980 2 $4,008
1981 1 $227
1982 2 $5,768
1984 3 $4,852
1986 5 $15,666
1987 2 $24,794
1991 19 $112,788
1992 19 $7,814
1993 2 $6,633
1994 27 $148,590
1995 4 $31,522
1996 2 $0
1997 2 $0
1998 4 $32,932
1999 58 $363,964
2000 204 $2,352,776
2001 1 $6,511
2003 4 $2,491
2004 6 $3,980
2005 29 $17,685
2006 4 $712
2008 1 $0
2009 2 $0
2010 3 $0
2012 1 $0
2013 3 $7,273
2014 2 $24,868
2015 2 $17,035
2016 2 $0
2017 39 $215,171
2018 6 $16,965
2020 77 $2,071,215
2022 10 $219,575
2023 8 $119,081
2024 3 $93,135
2025 1 $16,785
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2000 204 $2,352,776
2020 77 $2,071,215
1999 58 $363,964

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