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Flood Figures

ZIP 33160 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, 11,945 NFIP flood insurance policies are in force in ZIP 33160 (North Miami Beach, FL), with 879 flood claims recorded since 1978.

Policies & premiums

Policies in force
11,945
Median annual premium
$1,633
premium only
Median annual cost
$2,085
premium + fees & surcharges
Mean annual premium
$2,952
premium only
Policies in SFHA zones
95.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$2,537,654,000
Contents coverage in force
$100,726,000

"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 33160 by rated flood zone
Policies Share Share bar
AE 10,271 86.0%
X 1,162 9.7%
VE 511 4.3%
A 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 33160 by occupancy type
Policies Share Share bar
Multi-unit buildings 10,661 89.3%
Single-family homes 676 5.7%
Units in multi-unit buildings 392 3.3%
Non-residential buildings 215 1.8%
Mobile homes 1 0.0%

Claims history since 1978

Claims since 1978
879
Total paid
$21,257,179
Paid on buildings
$19,923,114
Paid on contents
$1,334,065
NFIP claims filed per year in ZIP 33160, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 12 $2,277
1980 5 $3,139
1981 15 $14,363
1982 1 $0
1983 2 $0
1984 11 $3,971
1985 1 $1,864
1987 1 $0
1988 1 $0
1991 17 $28,778
1992 112 $1,747,152
1994 21 $155,860
1995 16 $69,820
1997 3 $124
1998 7 $30,105
1999 75 $161,463
2000 56 $378,039
2001 4 $0
2002 4 $18,343
2003 3 $4,611
2004 14 $2,254,733
2005 87 $411,370
2006 5 $0
2007 4 $88,670
2008 6 $34,477
2009 39 $885,132
2010 13 $24,536
2011 2 $0
2012 31 $846,041
2013 87 $3,425,818
2014 2 $59,146
2015 6 $39,275
2016 3 $0
2017 108 $1,530,510
2018 5 $24,940
2019 24 $3,352,912
2020 8 $126,605
2021 2 $0
2022 1 $0
2023 8 $131,237
2024 50 $5,401,867
2025 7 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 50 $5,401,867
2013 87 $3,425,818
2019 24 $3,352,912

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