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Flood Figures

ZIP 33172 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, 2,086 NFIP flood insurance policies are in force in ZIP 33172 (Miami, FL), with 240 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,086
Median annual premium
$695
premium only
Median annual cost
$984
premium + fees & surcharges
Mean annual premium
$1,032
premium only
Policies in SFHA zones
82.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$439,684,000
Contents coverage in force
$108,050,000

"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 33172 by rated flood zone
Policies Share Share bar
AH 1,585 76.0%
X 275 13.2%
AHB 169 8.1%
AE 57 2.7%

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 33172 by occupancy type
Policies Share Share bar
Multi-unit buildings 997 47.8%
Non-residential buildings 480 23.0%
Single-family homes 447 21.4%
Units in multi-unit buildings 162 7.8%

Claims history since 1978

Claims since 1978
240
Total paid
$3,529,102
Paid on buildings
$2,863,666
Paid on contents
$665,435
NFIP claims filed per year in ZIP 33172, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 2 $6
1981 26 $17,727
1982 5 $116
1983 2 $0
1984 1 $426
1985 1 $0
1992 10 $0
1994 2 $741
1995 6 $35,438
1997 1 $0
1998 1 $0
1999 49 $274,474
2000 64 $1,083,179
2003 2 $0
2004 1 $0
2005 11 $19,199
2006 2 $0
2007 1 $1,049
2010 2 $0
2011 1 $0
2012 11 $104,885
2013 1 $154,189
2014 2 $0
2017 25 $134,299
2020 7 $1,254,366
2022 1 $0
2023 1 $102,626
2024 2 $346,381

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2020 7 $1,254,366
2000 64 $1,083,179
2024 2 $346,381

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