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Flood Figures

ZIP 33156 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, 3,783 NFIP flood insurance policies are in force in ZIP 33156 (Miami, FL), with 1,402 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,783
Median annual premium
$1,619
premium only
Median annual cost
$2,026
premium + fees & surcharges
Mean annual premium
$1,949
premium only
Policies in SFHA zones
73.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$916,471,000
Contents coverage in force
$274,225,000

"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 33156 by rated flood zone
Policies Share Share bar
AE 2,115 55.9%
X 1,013 26.8%
AH 621 16.4%
VE 21 0.6%
AHB 13 0.3%

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 33156 by occupancy type
Policies Share Share bar
Single-family homes 3,167 83.7%
Multi-unit buildings 425 11.2%
Non-residential buildings 158 4.2%
Units in multi-unit buildings 33 0.9%

Claims history since 1978

Claims since 1978
1,402
Total paid
$32,093,155
Paid on buildings
$25,543,430
Paid on contents
$6,549,725
NFIP claims filed per year in ZIP 33156, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 4 $0
1981 35 $43,371
1982 19 $14,512
1984 3 $1,200
1985 3 $0
1986 1 $0
1987 1 $0
1991 5 $7,368
1992 572 $19,549,825
1993 2 $0
1994 8 $106,613
1995 3 $0
1997 24 $159,735
1998 7 $0
1999 168 $1,816,344
2000 76 $818,056
2001 2 $3,175
2002 2 $3,575
2003 2 $0
2004 5 $24,161
2005 237 $4,486,687
2006 1 $0
2007 2 $2,745
2008 2 $10,119
2009 2 $0
2010 2 $0
2011 36 $1,101,622
2012 3 $4,169
2013 29 $1,298,061
2015 4 $21,381
2016 1 $0
2017 120 $2,249,767
2019 4 $211,518
2020 2 $4,006
2021 1 $21,764
2022 5 $60,070
2023 1 $68,378
2024 5 $4,932
2025 1 $0
2026 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1992 572 $19,549,825
2005 237 $4,486,687
2017 120 $2,249,767

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