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Flood Figures

ZIP 33166 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, 3,471 NFIP flood insurance policies are in force in ZIP 33166 (Miami, FL), with 1,711 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,471
Median annual premium
$715
premium only
Median annual cost
$967
premium + fees & surcharges
Mean annual premium
$871
premium only
Policies in SFHA zones
83.4%
zones A, AE, AH, AO, V, VE
Building coverage in force
$868,415,000
Contents coverage in force
$170,310,000

"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 33166 by rated flood zone
Policies Share Share bar
AH 2,314 66.7%
X 935 26.9%
AHB 132 3.8%
AE 90 2.6%

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 33166 by occupancy type
Policies Share Share bar
Single-family homes 1,608 46.3%
Multi-unit buildings 1,200 34.6%
Non-residential buildings 619 17.8%
Units in multi-unit buildings 36 1.0%
Mobile homes 8 0.2%

Claims history since 1978

Claims since 1978
1,711
Total paid
$49,321,669
Paid on buildings
$34,046,270
Paid on contents
$15,275,399
NFIP claims filed per year in ZIP 33166, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 9 $12,690
1980 1 $4,253
1981 3 $740
1982 1 $0
1984 2 $20,528
1985 4 $0
1986 2 $0
1989 1 $1,444
1991 200 $893,541
1992 31 $113,254
1993 6 $75,716
1994 41 $339,659
1995 36 $786,415
1996 1 $0
1997 8 $204,659
1998 9 $110,382
1999 332 $6,888,113
2000 624 $16,491,522
2001 18 $349,469
2002 2 $0
2003 17 $181,510
2004 4 $57,400
2005 24 $135,860
2006 19 $1,105,732
2007 1 $10,402
2008 1 $0
2009 3 $10,896
2010 7 $2,444
2012 25 $1,044,278
2015 2 $0
2017 25 $1,239,476
2018 1 $0
2020 174 $12,387,559
2021 1 $0
2022 21 $1,443,078
2023 40 $4,687,024
2024 14 $719,735
2025 1 $3,892

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2000 624 $16,491,522
2020 174 $12,387,559
1999 332 $6,888,113

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