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Flood Figures

ZIP 33175 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, 7,861 NFIP flood insurance policies are in force in ZIP 33175 (Miami, FL), with 2,483 flood claims recorded since 1978.

Policies & premiums

Policies in force
7,861
Median annual premium
$651
premium only
Median annual cost
$873
premium + fees & surcharges
Mean annual premium
$657
premium only
Policies in SFHA zones
94.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,757,379,000
Contents coverage in force
$324,401,000

"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 33175 by rated flood zone
Policies Share Share bar
AH 6,880 87.5%
AHB 533 6.8%
X 374 4.8%
AE 73 0.9%
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 33175 by occupancy type
Policies Share Share bar
Single-family homes 6,733 85.7%
Multi-unit buildings 901 11.5%
Units in multi-unit buildings 112 1.4%
Non-residential buildings 106 1.3%
Mobile homes 9 0.1%

Claims history since 1978

Claims since 1978
2,483
Total paid
$13,409,553
Paid on buildings
$9,375,478
Paid on contents
$4,034,075
NFIP claims filed per year in ZIP 33175, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 6 $0
1980 4 $7,185
1981 109 $52,050
1982 11 $2,427
1983 2 $0
1984 2 $0
1985 2 $0
1986 1 $0
1987 4 $0
1988 1 $0
1990 2 $0
1991 4 $2,168
1992 129 $95,206
1993 1 $0
1994 19 $9,232
1995 24 $38,902
1996 3 $0
1997 73 $116,698
1998 14 $8,526
1999 1,129 $6,442,468
2000 488 $4,704,343
2001 9 $13,116
2002 7 $552
2003 3 $8,731
2004 19 $44,564
2005 273 $991,505
2006 3 $0
2007 4 $7,110
2008 2 $1,006
2009 8 $10,658
2010 2 $6,787
2011 4 $2,654
2012 9 $12,847
2013 7 $14,631
2015 4 $0
2016 1 $0
2017 77 $689,824
2018 4 $68,027
2019 1 $0
2020 8 $26,294
2023 5 $32,043
2025 3 $0
2026 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1999 1,129 $6,442,468
2000 488 $4,704,343
2005 273 $991,505

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