Skip to content
Flood Figures

ZIP 33169 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, 3,129 NFIP flood insurance policies are in force in ZIP 33169 (Miami, FL), with 484 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,129
Median annual premium
$608
premium only
Median annual cost
$830
premium + fees & surcharges
Mean annual premium
$689
premium only
Policies in SFHA zones
95.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$696,746,000
Contents coverage in force
$109,191,000

"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 33169 by rated flood zone
Policies Share Share bar
AE 2,997 95.8%
X 132 4.2%

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 33169 by occupancy type
Policies Share Share bar
Single-family homes 1,744 55.7%
Multi-unit buildings 1,210 38.7%
Non-residential buildings 120 3.8%
Units in multi-unit buildings 55 1.8%

Claims history since 1978

Claims since 1978
484
Total paid
$3,614,800
Paid on buildings
$3,045,572
Paid on contents
$569,228
NFIP claims filed per year in ZIP 33169, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 10 $590
1980 2 $268
1981 7 $543
1982 1 $0
1983 2 $0
1984 8 $33,386
1985 1 $0
1987 1 $0
1989 1 $0
1991 5 $27,640
1992 24 $0
1994 14 $82,359
1995 6 $16,434
1996 3 $1,143
1997 2 $794
1998 7 $0
1999 64 $280,910
2000 106 $976,838
2001 4 $0
2002 11 $16,897
2003 6 $0
2004 11 $42,373
2005 43 $118,179
2006 4 $0
2008 3 $20,152
2009 7 $17,929
2010 1 $0
2011 3 $23,812
2012 2 $0
2013 2 $0
2014 6 $9,894
2015 3 $17,565
2016 1 $0
2017 54 $259,173
2018 1 $0
2019 3 $9,802
2020 22 $241,968
2021 3 $0
2022 1 $0
2023 10 $390,619
2024 16 $874,863
2025 2 $150,671
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2000 106 $976,838
2024 16 $874,863
2023 10 $390,619

Related pages