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Flood Figures

ZIP 33165 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, 1,250 NFIP flood insurance policies are in force in ZIP 33165 (Miami, FL), with 835 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,250
Median annual premium
$651
premium only
Median annual cost
$883
premium + fees & surcharges
Mean annual premium
$704
premium only
Policies in SFHA zones
60.5%
zones A, AE, AH, AO, V, VE
Building coverage in force
$296,109,000
Contents coverage in force
$61,714,000

"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 33165 by rated flood zone
Policies Share Share bar
AH 624 49.9%
X 503 40.2%
AE 100 8.0%
AHB 23 1.8%

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 33165 by occupancy type
Policies Share Share bar
Single-family homes 1,048 83.8%
Multi-unit buildings 137 11.0%
Non-residential buildings 58 4.6%
Units in multi-unit buildings 7 0.6%

Claims history since 1978

Claims since 1978
835
Total paid
$4,823,867
Paid on buildings
$3,322,803
Paid on contents
$1,501,064
NFIP claims filed per year in ZIP 33165, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 22 $3,872
1980 1 $0
1981 71 $28,301
1982 9 $863
1983 4 $0
1984 1 $0
1985 2 $89
1986 3 $360
1987 3 $3,009
1989 1 $0
1991 1 $0
1992 106 $11,885
1993 1 $0
1994 9 $7,452
1995 7 $9,409
1996 1 $0
1997 12 $19,898
1998 8 $1,362
1999 189 $836,044
2000 262 $3,478,574
2001 4 $11,230
2003 5 $2,518
2004 3 $16,783
2005 82 $274,746
2008 2 $681
2009 2 $9,197
2010 5 $6,155
2011 1 $0
2012 1 $945
2013 4 $83,507
2016 1 $0
2017 8 $15,487
2018 1 $0
2020 1 $0
2023 1 $0
2024 1 $1,500

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2000 262 $3,478,574
1999 189 $836,044
2005 82 $274,746

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