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Flood Figures

ZIP 33158 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, 1,467 NFIP flood insurance policies are in force in ZIP 33158 (Miami, FL), with 324 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,467
Median annual premium
$2,024
premium only
Median annual cost
$2,471
premium + fees & surcharges
Mean annual premium
$2,259
premium only
Policies in SFHA zones
86.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$361,973,000
Contents coverage in force
$83,032,000

"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 33158 by rated flood zone
Policies Share Share bar
AE 1,298 88.5%
X 166 11.3%
AH 2 0.1%
VE 1 0.1%

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 33158 by occupancy type
Policies Share Share bar
Single-family homes 1,209 82.4%
Multi-unit buildings 228 15.5%
Units in multi-unit buildings 23 1.6%
Non-residential buildings 7 0.5%

Claims history since 1978

Claims since 1978
324
Total paid
$8,842,576
Paid on buildings
$6,975,766
Paid on contents
$1,866,810
NFIP claims filed per year in ZIP 33158, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 1 $0
1981 3 $2,851
1982 3 $523
1984 2 $663
1988 2 $0
1992 123 $6,385,689
1994 3 $1,532
1997 2 $52,284
1998 2 $1,146
1999 34 $46,851
2000 5 $4,543
2003 1 $0
2004 1 $0
2005 89 $973,821
2007 3 $20,978
2009 2 $18,291
2011 8 $150,157
2016 1 $0
2017 38 $1,178,429
2024 1 $4,818

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1992 123 $6,385,689
2017 38 $1,178,429
2005 89 $973,821

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