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Flood Figures

ZIP 33179 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, 3,810 NFIP flood insurance policies are in force in ZIP 33179 (Miami, FL), with 933 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,810
Median annual premium
$655
premium only
Median annual cost
$894
premium + fees & surcharges
Mean annual premium
$735
premium only
Policies in SFHA zones
76.5%
zones A, AE, AH, AO, V, VE
Building coverage in force
$754,931,000
Contents coverage in force
$114,273,000

"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 33179 by rated flood zone
Policies Share Share bar
AE 2,866 75.2%
X 545 14.3%
A 397 10.4%
AHB 1 0.0%
AH 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 33179 by occupancy type
Policies Share Share bar
Multi-unit buildings 2,091 54.9%
Single-family homes 1,534 40.3%
Units in multi-unit buildings 141 3.7%
Non-residential buildings 44 1.2%

Claims history since 1978

Claims since 1978
933
Total paid
$17,176,275
Paid on buildings
$14,950,297
Paid on contents
$2,225,978
NFIP claims filed per year in ZIP 33179, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $0
1979 6 $2,075
1980 15 $232
1981 31 $8,244
1982 10 $4,682
1983 10 $28,966
1984 5 $2,264
1985 1 $0
1986 2 $1,370
1988 2 $0
1991 35 $101,643
1992 21 $13,062
1994 13 $62,349
1995 45 $335,020
1996 5 $4,569
1997 1 $0
1998 10 $44,235
1999 100 $1,011,804
2000 288 $4,802,536
2001 5 $8,287
2002 3 $0
2003 9 $55,077
2004 10 $2,004
2005 36 $292,776
2007 4 $0
2008 8 $73,994
2009 100 $2,011,118
2010 6 $3,632
2012 1 $0
2013 3 $0
2015 15 $101,968
2016 1 $0
2017 16 $76,270
2018 3 $1,266
2019 16 $277,100
2020 8 $68,058
2021 2 $0
2023 5 $42,089
2024 80 $7,739,587
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 80 $7,739,587
2000 288 $4,802,536
2009 100 $2,011,118

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