Skip to content
Flood Figures

ZIP 33180 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, 13,005 NFIP flood insurance policies are in force in ZIP 33180 (Miami, FL), with 1,239 flood claims recorded since 1978.

Policies & premiums

Policies in force
13,005
Median annual premium
$821
premium only
Median annual cost
$1,080
premium + fees & surcharges
Mean annual premium
$1,302
premium only
Policies in SFHA zones
93.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$3,098,306,000
Contents coverage in force
$176,582,000

"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 33180 by rated flood zone
Policies Share Share bar
AE 12,114 93.1%
X 889 6.8%
A 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 33180 by occupancy type
Policies Share Share bar
Multi-unit buildings 11,118 85.5%
Single-family homes 1,195 9.2%
Units in multi-unit buildings 347 2.7%
Non-residential buildings 343 2.6%
Mobile homes 2 0.0%

Claims history since 1978

Claims since 1978
1,239
Total paid
$38,354,789
Paid on buildings
$30,925,248
Paid on contents
$7,429,541
NFIP claims filed per year in ZIP 33180, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 1 $413
1980 1 $0
1981 4 $8,813
1982 1 $0
1984 8 $32,762
1985 1 $0
1986 2 $1,574
1989 1 $310
1990 1 $0
1991 35 $242,527
1992 26 $17,029
1994 13 $24,272
1995 71 $989,879
1996 5 $6,773
1998 34 $95,556
1999 83 $288,386
2000 184 $3,592,406
2001 3 $12,701
2002 18 $128,048
2003 16 $34,227
2004 7 $22,323
2005 32 $22,353
2006 1 $0
2007 1 $39,277
2008 17 $453,658
2009 127 $7,993,692
2010 13 $72,987
2011 4 $0
2012 2 $5,027
2013 147 $4,096,120
2014 4 $27,577
2015 16 $618,117
2016 1 $0
2017 71 $649,340
2018 3 $0
2019 82 $4,597,300
2020 11 $45,404
2021 1 $0
2022 8 $184,706
2023 16 $224,538
2024 165 $13,799,232
2025 2 $27,464

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 165 $13,799,232
2009 127 $7,993,692
2019 82 $4,597,300

Related pages