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Flood Figures

ZIP 33177 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, 3,558 NFIP flood insurance policies are in force in ZIP 33177 (Miami, FL), with 3,779 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,558
Median annual premium
$726
premium only
Median annual cost
$948
premium + fees & surcharges
Mean annual premium
$798
premium only
Policies in SFHA zones
89.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$836,630,000
Contents coverage in force
$166,805,000

"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 33177 by rated flood zone
Policies Share Share bar
AH 2,922 82.1%
X 386 10.8%
AHB 185 5.2%
AE 64 1.8%
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 33177 by occupancy type
Policies Share Share bar
Single-family homes 3,485 97.9%
Non-residential buildings 35 1.0%
Multi-unit buildings 22 0.6%
Units in multi-unit buildings 16 0.4%

Claims history since 1978

Claims since 1978
3,779
Total paid
$55,770,961
Paid on buildings
$41,839,314
Paid on contents
$13,931,647
NFIP claims filed per year in ZIP 33177, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 2 $198
1981 19 $10,674
1982 2 $628
1985 1 $0
1987 1 $0
1989 1 $0
1990 1 $0
1991 3 $0
1992 229 $264,643
1993 1 $33,113
1994 11 $3,248
1995 10 $12,159
1996 4 $3,222
1997 17 $30,719
1998 9 $0
1999 894 $5,550,010
2000 530 $4,715,114
2001 12 $7,726
2002 4 $723
2003 7 $4,015
2004 8 $20,648
2005 1,827 $43,871,678
2006 10 $0
2007 7 $28,411
2008 7 $9,796
2009 4 $0
2010 4 $0
2011 6 $6,747
2012 15 $13,739
2013 2 $0
2014 4 $0
2015 1 $3,270
2016 1 $0
2017 101 $1,138,660
2018 4 $0
2019 1 $0
2020 6 $16,509
2021 2 $0
2022 2 $3,666
2023 3 $274
2024 3 $2,530
2025 3 $18,842

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2005 1,827 $43,871,678
1999 894 $5,550,010
2000 530 $4,715,114

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