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Flood Figures

ZIP 33173 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, 5,445 NFIP flood insurance policies are in force in ZIP 33173 (Miami, FL), with 1,574 flood claims recorded since 1978.

Policies & premiums

Policies in force
5,445
Median annual premium
$655
premium only
Median annual cost
$874
premium + fees & surcharges
Mean annual premium
$696
premium only
Policies in SFHA zones
91.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,124,638,000
Contents coverage in force
$189,704,000

"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 33173 by rated flood zone
Policies Share Share bar
AH 4,890 89.8%
X 319 5.9%
AHB 151 2.8%
AE 85 1.6%

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 33173 by occupancy type
Policies Share Share bar
Single-family homes 3,463 63.6%
Multi-unit buildings 1,776 32.6%
Units in multi-unit buildings 128 2.4%
Non-residential buildings 78 1.4%

Claims history since 1978

Claims since 1978
1,574
Total paid
$8,230,014
Paid on buildings
$6,302,339
Paid on contents
$1,927,676
NFIP claims filed per year in ZIP 33173, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 16 $10,472
1980 1 $3,735
1981 30 $31,743
1982 9 $2,650
1983 2 $0
1984 3 $0
1985 1 $0
1986 1 $0
1989 2 $0
1990 1 $0
1991 1 $0
1992 159 $34,892
1993 1 $0
1994 20 $16,391
1995 3 $6,115
1996 4 $5,224
1997 161 $887,951
1998 34 $23,080
1999 431 $2,465,041
2000 448 $3,586,604
2001 4 $8,586
2002 2 $0
2003 17 $14,594
2004 8 $2,490
2005 150 $846,976
2008 2 $18,266
2009 3 $3,000
2010 2 $0
2011 3 $8,218
2012 4 $2,415
2013 3 $0
2014 2 $0
2015 4 $0
2016 2 $0
2017 29 $160,388
2020 3 $11,013
2021 1 $19,129
2022 1 $0
2023 2 $0
2024 4 $61,042

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2000 448 $3,586,604
1999 431 $2,465,041
1997 161 $887,951

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