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Flood Figures

ZIP 33178 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, 4,571 NFIP flood insurance policies are in force in ZIP 33178 (Miami, FL), with 261 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,571
Median annual premium
$478
premium only
Median annual cost
$680
premium + fees & surcharges
Mean annual premium
$562
premium only
Policies in SFHA zones
67.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,089,905,000
Contents coverage in force
$202,490,000

"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 33178 by rated flood zone
Policies Share Share bar
AH 2,277 49.8%
X 1,752 38.3%
AE 356 7.8%
AHB 186 4.1%

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 33178 by occupancy type
Policies Share Share bar
Single-family homes 2,498 54.6%
Multi-unit buildings 1,602 35.0%
Non-residential buildings 325 7.1%
Units in multi-unit buildings 142 3.1%
Mobile homes 4 0.1%

Claims history since 1978

Claims since 1978
261
Total paid
$5,304,600
Paid on buildings
$4,610,445
Paid on contents
$694,155
NFIP claims filed per year in ZIP 33178, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 1 $0
1991 2 $0
1992 15 $37,679
1993 1 $0
1994 3 $654
1995 17 $47,343
1999 68 $440,809
2000 44 $1,142,108
2001 7 $0
2002 1 $0
2003 1 $0
2004 1 $0
2005 31 $63,034
2006 5 $122,121
2007 2 $79,097
2008 2 $0
2009 3 $0
2011 3 $6,449
2012 16 $1,848,512
2013 1 $0
2014 3 $0
2016 1 $0
2017 13 $571,737
2018 1 $0
2020 12 $920,904
2021 1 $0
2023 2 $0
2024 3 $24,154
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2012 16 $1,848,512
2000 44 $1,142,108
2020 12 $920,904

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