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Flood Figures

ZIP 33176 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, 3,438 NFIP flood insurance policies are in force in ZIP 33176 (Miami, FL), with 1,432 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,438
Median annual premium
$775
premium only
Median annual cost
$1,033
premium + fees & surcharges
Mean annual premium
$918
premium only
Policies in SFHA zones
74.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$798,617,000
Contents coverage in force
$202,281,000

"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 33176 by rated flood zone
Policies Share Share bar
AH 2,191 63.7%
X 880 25.6%
AHB 299 8.7%
AE 65 1.9%
C 2 0.1%
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 33176 by occupancy type
Policies Share Share bar
Single-family homes 2,860 83.2%
Multi-unit buildings 431 12.5%
Units in multi-unit buildings 78 2.3%
Non-residential buildings 69 2.0%

Claims history since 1978

Claims since 1978
1,432
Total paid
$8,560,808
Paid on buildings
$6,241,553
Paid on contents
$2,319,255
NFIP claims filed per year in ZIP 33176, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 46 $34,899
1980 2 $0
1981 55 $30,332
1982 69 $96,806
1983 4 $0
1984 3 $0
1985 1 $0
1986 1 $0
1987 1 $0
1989 1 $0
1990 1 $0
1991 1 $0
1992 267 $424,508
1993 4 $15,175
1994 18 $169,624
1995 5 $49,020
1997 54 $158,760
1998 2 $0
1999 339 $2,328,862
2000 102 $627,396
2001 5 $14,513
2002 1 $6,514
2003 4 $9,197
2004 3 $11,809
2005 358 $3,808,541
2007 2 $22,532
2009 2 $6,527
2010 4 $5,106
2011 4 $19,009
2012 7 $527
2013 4 $125,966
2014 1 $0
2015 6 $73,046
2016 1 $0
2017 36 $472,138
2019 2 $3,089
2020 5 $3,145
2021 4 $748
2022 3 $0
2023 1 $6,786
2025 2 $36,233
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2005 358 $3,808,541
1999 339 $2,328,862
2000 102 $627,396

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