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Flood Figures

ZIP 33150 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, 1,001 NFIP flood insurance policies are in force in ZIP 33150 (Miami, FL), with 377 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,001
Median annual premium
$675
premium only
Median annual cost
$950
premium + fees & surcharges
Mean annual premium
$870
premium only
Policies in SFHA zones
87.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$227,049,000
Contents coverage in force
$36,380,000

"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 33150 by rated flood zone
Policies Share Share bar
AH 875 87.4%
X 97 9.7%
AE 19 1.9%
AHB 10 1.0%

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 33150 by occupancy type
Policies Share Share bar
Single-family homes 518 51.7%
Multi-unit buildings 365 36.5%
Non-residential buildings 109 10.9%
Units in multi-unit buildings 7 0.7%
Mobile homes 2 0.2%

Claims history since 1978

Claims since 1978
377
Total paid
$3,044,715
Paid on buildings
$2,273,575
Paid on contents
$771,140
NFIP claims filed per year in ZIP 33150, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 1 $150
1981 1 $678
1984 6 $7,148
1985 2 $6,420
1986 1 $288
1988 1 $0
1989 1 $1,044
1991 23 $80,884
1992 30 $61,223
1994 16 $83,253
1996 4 $3,756
1997 4 $13,853
1998 4 $3,857
1999 64 $294,817
2000 93 $1,000,577
2001 3 $5,054
2002 2 $9,650
2003 2 $0
2004 4 $2,705
2005 32 $49,331
2008 2 $5,005
2009 1 $5,574
2010 3 $0
2011 2 $9,109
2012 1 $0
2013 3 $40,434
2014 1 $0
2015 1 $0
2016 2 $0
2017 39 $688,317
2020 18 $537,050
2022 6 $101,322
2023 2 $12,220
2024 2 $20,996

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2000 93 $1,000,577
2017 39 $688,317
2020 18 $537,050

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