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Flood Figures

ZIP 33182 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, 711 NFIP flood insurance policies are in force in ZIP 33182 (Miami, FL), with 692 flood claims recorded since 1978.

Policies & premiums

Policies in force
711
Median annual premium
$532
premium only
Median annual cost
$732
premium + fees & surcharges
Mean annual premium
$545
premium only
Policies in SFHA zones
69.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$173,159,000
Contents coverage in force
$48,188,000

"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 33182 by rated flood zone
Policies Share Share bar
AH 346 48.7%
X 219 30.8%
AE 109 15.3%
AHB 37 5.2%

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 33182 by occupancy type
Policies Share Share bar
Single-family homes 665 93.5%
Non-residential buildings 38 5.3%
Multi-unit buildings 7 1.0%
Units in multi-unit buildings 1 0.1%

Claims history since 1978

Claims since 1978
692
Total paid
$3,839,210
Paid on buildings
$2,712,949
Paid on contents
$1,126,261
NFIP claims filed per year in ZIP 33182, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1986 1 $0
1991 1 $1,443
1992 18 $66,786
1993 1 $1,738
1994 5 $2,480
1995 15 $22,489
1996 1 $0
1997 5 $605
1998 8 $370
1999 378 $1,783,326
2000 124 $1,223,513
2001 6 $33,127
2002 3 $3,259
2003 5 $0
2004 6 $2,465
2005 70 $380,085
2006 2 $0
2007 2 $8,760
2008 6 $19,609
2009 4 $10,360
2010 2 $0
2011 2 $0
2012 6 $18,802
2016 1 $0
2017 13 $200,017
2020 5 $59,974
2021 1 $0
2024 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1999 378 $1,783,326
2000 124 $1,223,513
2005 70 $380,085

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