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Flood Figures

ZIP 33154 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, 3,937 NFIP flood insurance policies are in force in ZIP 33154 (Miami Beach, FL), with 446 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,937
Median annual premium
$3,297
premium only
Median annual cost
$3,966
premium + fees & surcharges
Mean annual premium
$3,983
premium only
Policies in SFHA zones
96.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$917,229,000
Contents coverage in force
$101,434,000

"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 33154 by rated flood zone
Policies Share Share bar
AE 3,759 95.5%
X 178 4.5%

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 33154 by occupancy type
Policies Share Share bar
Multi-unit buildings 2,641 67.1%
Single-family homes 982 24.9%
Non-residential buildings 163 4.1%
Units in multi-unit buildings 151 3.8%

Claims history since 1978

Claims since 1978
446
Total paid
$4,867,089
Paid on buildings
$4,498,603
Paid on contents
$368,486
NFIP claims filed per year in ZIP 33154, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 7 $1,132
1980 7 $6,308
1981 7 $9,018
1982 2 $0
1983 4 $3,860
1984 5 $1,402
1986 3 $0
1987 4 $2,767
1988 1 $0
1989 1 $0
1990 1 $0
1991 9 $11,788
1992 75 $138,060
1993 1 $0
1994 14 $46,739
1995 14 $43,478
1996 1 $0
1997 4 $4,985
1998 10 $19,927
1999 61 $130,396
2000 21 $103,532
2002 3 $0
2003 1 $0
2004 4 $0
2005 28 $83,445
2007 3 $6,172
2008 1 $0
2009 5 $0
2010 1 $0
2011 1 $0
2012 3 $94,523
2013 1 $8,610
2014 2 $0
2015 6 $43,674
2016 1 $0
2017 67 $2,025,454
2019 14 $744,850
2020 9 $271,779
2021 2 $12,819
2022 2 $7,816
2023 1 $0
2024 39 $1,044,556

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 67 $2,025,454
2024 39 $1,044,556
2019 14 $744,850

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