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Flood Figures

ZIP 33174 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, 3,545 NFIP flood insurance policies are in force in ZIP 33174 (Miami, FL), with 1,065 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,545
Median annual premium
$672
premium only
Median annual cost
$902
premium + fees & surcharges
Mean annual premium
$758
premium only
Policies in SFHA zones
96.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$729,108,000
Contents coverage in force
$106,536,000

"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 33174 by rated flood zone
Policies Share Share bar
AH 3,047 86.0%
AHB 382 10.8%
X 100 2.8%
AE 15 0.4%
A 1 0.0%

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 33174 by occupancy type
Policies Share Share bar
Single-family homes 2,217 62.5%
Multi-unit buildings 1,125 31.7%
Units in multi-unit buildings 119 3.4%
Non-residential buildings 84 2.4%

Claims history since 1978

Claims since 1978
1,065
Total paid
$17,076,275
Paid on buildings
$11,523,438
Paid on contents
$5,552,837
NFIP claims filed per year in ZIP 33174, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 38 $4,320
1980 2 $1,226
1981 98 $55,957
1982 29 $10,355
1983 10 $0
1984 9 $1,188
1986 1 $0
1989 1 $0
1991 5 $8,040
1992 50 $15,955
1994 3 $1,840
1995 30 $210,523
1996 1 $4,054
1997 5 $2,457
1999 173 $3,419,007
2000 451 $11,735,820
2001 6 $12,747
2002 1 $0
2003 7 $8,742
2004 2 $0
2005 49 $341,130
2007 1 $0
2008 1 $0
2010 1 $0
2011 2 $0
2012 5 $8,333
2013 4 $32,977
2014 2 $0
2015 1 $576
2017 46 $558,713
2020 24 $619,935
2021 2 $0
2022 1 $0
2023 3 $4,444
2025 1 $17,936

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2000 451 $11,735,820
1999 173 $3,419,007
2020 24 $619,935

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