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Flood Figures

ZIP 33181 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, 5,212 NFIP flood insurance policies are in force in ZIP 33181 (Miami, FL), with 573 flood claims recorded since 1978.

Policies & premiums

Policies in force
5,212
Median annual premium
$1,070
premium only
Median annual cost
$1,394
premium + fees & surcharges
Mean annual premium
$1,461
premium only
Policies in SFHA zones
97.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,121,744,000
Contents coverage in force
$85,444,000

"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 33181 by rated flood zone
Policies Share Share bar
AE 5,075 97.4%
X 98 1.9%
VE 38 0.7%
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 33181 by occupancy type
Policies Share Share bar
Multi-unit buildings 3,971 76.2%
Single-family homes 1,031 19.8%
Non-residential buildings 128 2.5%
Units in multi-unit buildings 82 1.6%

Claims history since 1978

Claims since 1978
573
Total paid
$9,847,837
Paid on buildings
$7,906,282
Paid on contents
$1,941,555
NFIP claims filed per year in ZIP 33181, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 15 $1,980
1980 2 $0
1981 8 $21,709
1982 2 $0
1983 6 $0
1984 5 $1,694
1987 4 $0
1989 2 $25,899
1990 1 $758
1991 12 $7,359
1992 64 $95,922
1994 9 $9,025
1995 12 $41,152
1996 1 $0
1997 1 $0
1998 12 $7,531
1999 81 $263,332
2000 71 $597,016
2001 1 $0
2002 4 $14,974
2003 2 $581
2004 7 $13,032
2005 58 $1,967,197
2006 3 $0
2007 5 $110,981
2008 3 $0
2009 22 $1,389,009
2011 3 $0
2012 2 $0
2013 21 $588,907
2015 2 $45,265
2016 2 $0
2017 73 $2,498,520
2018 1 $0
2019 12 $347,397
2020 10 $107,307
2021 1 $0
2022 5 $32,888
2023 3 $14,694
2024 24 $1,643,709
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 73 $2,498,520
2005 58 $1,967,197
2024 24 $1,643,709

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