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Flood Figures

ZIP 33170 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, 1,786 NFIP flood insurance policies are in force in ZIP 33170 (Miami, FL), with 296 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,786
Median annual premium
$703
premium only
Median annual cost
$918
premium + fees & surcharges
Mean annual premium
$820
premium only
Policies in SFHA zones
94.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$404,514,000
Contents coverage in force
$60,714,000

"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 33170 by rated flood zone
Policies Share Share bar
AH 1,555 87.1%
X 108 6.0%
AE 69 3.9%
AHB 54 3.0%

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 33170 by occupancy type
Policies Share Share bar
Single-family homes 1,723 96.5%
Non-residential buildings 40 2.2%
Multi-unit buildings 18 1.0%
Mobile homes 3 0.2%
Units in multi-unit buildings 2 0.1%

Claims history since 1978

Claims since 1978
296
Total paid
$2,033,354
Paid on buildings
$1,518,059
Paid on contents
$515,295
NFIP claims filed per year in ZIP 33170, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1981 12 $20,942
1991 1 $75
1992 44 $0
1994 2 $0
1997 2 $9,300
1999 42 $135,237
2000 18 $103,671
2002 1 $0
2003 1 $0
2005 123 $1,500,352
2007 1 $0
2009 1 $0
2010 1 $0
2011 3 $24,302
2012 3 $13,082
2015 2 $2,373
2016 1 $0
2017 31 $220,211
2020 3 $3,810
2021 1 $0
2022 1 $0
2023 1 $0
2024 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2005 123 $1,500,352
2017 31 $220,211
1999 42 $135,237

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