Skip to content
Flood Figures

ZIP 33157 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, 6,007 NFIP flood insurance policies are in force in ZIP 33157 (Miami, FL), with 2,003 flood claims recorded since 1978.

Policies & premiums

Policies in force
6,007
Median annual premium
$1,443
premium only
Median annual cost
$1,795
premium + fees & surcharges
Mean annual premium
$1,711
premium only
Policies in SFHA zones
85.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,439,664,000
Contents coverage in force
$313,061,000

"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 33157 by rated flood zone
Policies Share Share bar
AE 3,526 58.7%
AH 1,560 26.0%
X 828 13.8%
AHB 76 1.3%
VE 16 0.3%
A99 1 0.0%

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 33157 by occupancy type
Policies Share Share bar
Single-family homes 5,282 87.9%
Multi-unit buildings 566 9.4%
Non-residential buildings 116 1.9%
Units in multi-unit buildings 42 0.7%
Mobile homes 1 0.0%

Claims history since 1978

Claims since 1978
2,003
Total paid
$25,205,611
Paid on buildings
$19,466,816
Paid on contents
$5,738,795
NFIP claims filed per year in ZIP 33157, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 10 $1,476
1980 5 $0
1981 26 $27,819
1982 3 $123
1983 3 $0
1984 2 $0
1986 2 $0
1987 1 $0
1988 4 $392
1989 2 $1,609
1991 3 $36,502
1992 695 $7,551,338
1994 12 $13,419
1995 4 $0
1996 2 $848
1997 6 $3,193
1998 7 $0
1999 260 $1,839,552
2000 59 $78,154
2001 1 $760
2002 3 $12,115
2003 4 $2,980
2004 8 $550
2005 697 $13,667,614
2006 4 $26,246
2007 3 $17,520
2008 1 $0
2009 5 $0
2010 4 $0
2011 18 $101,900
2012 4 $2,168
2013 1 $0
2014 3 $597
2015 2 $0
2016 2 $0
2017 114 $1,729,809
2018 3 $0
2019 3 $10,258
2020 5 $7,300
2021 2 $0
2022 5 $62,857
2023 3 $0
2024 1 $8,511
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2005 697 $13,667,614
1992 695 $7,551,338
1999 260 $1,839,552

Related pages