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Flood Figures

ZIP 33183 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, 4,259 NFIP flood insurance policies are in force in ZIP 33183 (Miami, FL), with 1,049 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,259
Median annual premium
$676
premium only
Median annual cost
$894
premium + fees & surcharges
Mean annual premium
$697
premium only
Policies in SFHA zones
94.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$967,608,000
Contents coverage in force
$164,023,000

"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 33183 by rated flood zone
Policies Share Share bar
AH 3,906 91.7%
X 198 4.6%
AHB 132 3.1%
AE 23 0.5%

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 33183 by occupancy type
Policies Share Share bar
Single-family homes 3,122 73.3%
Multi-unit buildings 948 22.3%
Units in multi-unit buildings 109 2.6%
Non-residential buildings 80 1.9%

Claims history since 1978

Claims since 1978
1,049
Total paid
$3,303,228
Paid on buildings
$2,527,926
Paid on contents
$775,303
NFIP claims filed per year in ZIP 33183, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 6 $0
1980 2 $0
1981 59 $18,894
1982 8 $1,880
1984 4 $3,405
1985 1 $0
1986 1 $0
1988 2 $0
1992 74 $35,663
1993 3 $1,400
1994 14 $8,788
1995 6 $8,889
1996 2 $0
1997 108 $146,430
1998 10 $1,033
1999 375 $1,282,076
2000 158 $1,097,279
2001 4 $2,816
2002 4 $6,288
2003 2 $0
2004 10 $8,233
2005 112 $329,166
2006 4 $0
2007 1 $0
2008 2 $0
2009 2 $0
2010 2 $959
2011 2 $10,033
2012 8 $1,802
2013 2 $2,184
2014 2 $0
2015 2 $0
2016 1 $0
2017 47 $269,916
2018 1 $0
2019 1 $41,450
2020 4 $0
2022 1 $0
2023 2 $24,643

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1999 375 $1,282,076
2000 158 $1,097,279
2005 112 $329,166

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