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Flood Figures

ZIP 33161 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, 5,130 NFIP flood insurance policies are in force in ZIP 33161 (Miami, FL), with 2,611 flood claims recorded since 1978.

Policies & premiums

Policies in force
5,130
Median annual premium
$585
premium only
Median annual cost
$822
premium + fees & surcharges
Mean annual premium
$699
premium only
Policies in SFHA zones
96.5%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,085,101,000
Contents coverage in force
$165,201,000

"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 33161 by rated flood zone
Policies Share Share bar
AE 4,998 97.4%
X 122 2.4%
VE 9 0.2%
AH 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 33161 by occupancy type
Policies Share Share bar
Single-family homes 2,714 52.9%
Multi-unit buildings 2,206 43.0%
Non-residential buildings 146 2.8%
Units in multi-unit buildings 64 1.2%

Claims history since 1978

Claims since 1978
2,611
Total paid
$43,333,978
Paid on buildings
$35,931,295
Paid on contents
$7,402,683
NFIP claims filed per year in ZIP 33161, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $895
1979 9 $28,443
1980 14 $18,342
1981 11 $8,888
1982 7 $20,072
1983 7 $4,372
1984 25 $110,735
1985 2 $0
1986 3 $4,595
1988 2 $3,659
1989 1 $1,986
1990 2 $3,808
1991 56 $269,033
1992 64 $240,716
1993 4 $0
1994 43 $159,964
1995 53 $231,614
1996 6 $1,663
1997 2 $0
1998 20 $22,630
1999 306 $1,502,405
2000 1,051 $14,613,340
2001 9 $8,285
2002 92 $1,313,276
2003 8 $7,828
2004 22 $54,355
2005 111 $338,961
2006 2 $25,660
2007 25 $240,079
2008 15 $79,504
2009 27 $753,440
2010 2 $0
2011 2 $0
2012 7 $13,610
2013 52 $1,078,023
2014 4 $0
2015 8 $45,325
2016 1 $0
2017 170 $5,911,902
2018 2 $0
2019 16 $296,042
2020 99 $1,639,892
2022 36 $1,646,528
2023 26 $1,316,710
2024 185 $11,317,400
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2000 1,051 $14,613,340
2024 185 $11,317,400
2017 170 $5,911,902

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