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Flood Figures

ZIP 33155 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, 2,322 NFIP flood insurance policies are in force in ZIP 33155 (Miami, FL), with 657 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,322
Median annual premium
$673
premium only
Median annual cost
$902
premium + fees & surcharges
Mean annual premium
$798
premium only
Policies in SFHA zones
75.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$510,995,000
Contents coverage in force
$92,425,000

"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 33155 by rated flood zone
Policies Share Share bar
AH 1,694 73.0%
X 419 18.0%
AHB 142 6.1%
AE 67 2.9%

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 33155 by occupancy type
Policies Share Share bar
Single-family homes 1,444 62.2%
Multi-unit buildings 694 29.9%
Non-residential buildings 139 6.0%
Units in multi-unit buildings 45 1.9%

Claims history since 1978

Claims since 1978
657
Total paid
$8,636,315
Paid on buildings
$5,254,640
Paid on contents
$3,381,674
NFIP claims filed per year in ZIP 33155, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 18 $11,806
1980 3 $0
1981 15 $15,947
1982 8 $10,088
1983 2 $11,752
1985 1 $0
1986 3 $11,000
1990 2 $0
1991 35 $236,377
1992 57 $19,887
1993 1 $638
1994 7 $7,475
1995 2 $14,912
1996 2 $0
1997 31 $270,607
1998 2 $223
1999 128 $1,508,088
2000 258 $5,816,902
2001 5 $66,693
2002 3 $35,386
2003 1 $42,000
2004 1 $0
2005 38 $157,546
2007 1 $27,826
2010 1 $0
2011 1 $35,799
2012 1 $0
2013 5 $23,066
2015 1 $71,106
2017 12 $30,847
2018 1 $0
2019 1 $0
2020 2 $11,367
2022 3 $4,212
2023 3 $194,764
2024 1 $0
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2000 258 $5,816,902
1999 128 $1,508,088
1997 31 $270,607

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