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Flood Figures

ZIP 33184 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, 2,653 NFIP flood insurance policies are in force in ZIP 33184 (Miami, FL), with 1,277 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,653
Median annual premium
$641
premium only
Median annual cost
$852
premium + fees & surcharges
Mean annual premium
$662
premium only
Policies in SFHA zones
95.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$602,633,000
Contents coverage in force
$112,301,000

"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 33184 by rated flood zone
Policies Share Share bar
AH 2,310 87.1%
AHB 223 8.4%
X 101 3.8%
AE 18 0.7%
A 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 33184 by occupancy type
Policies Share Share bar
Single-family homes 2,142 80.7%
Multi-unit buildings 395 14.9%
Non-residential buildings 60 2.3%
Units in multi-unit buildings 48 1.8%
Mobile homes 8 0.3%

Claims history since 1978

Claims since 1978
1,277
Total paid
$8,215,714
Paid on buildings
$5,882,999
Paid on contents
$2,332,715
NFIP claims filed per year in ZIP 33184, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 6 $426
1980 2 $0
1981 51 $30,094
1982 14 $1,186
1983 2 $0
1984 3 $294
1987 3 $0
1988 1 $0
1989 1 $152
1991 2 $1,139
1992 43 $17,183
1993 5 $5,521
1994 20 $30,649
1995 17 $41,218
1996 1 $0
1997 12 $5,879
1998 4 $0
1999 549 $3,915,192
2000 317 $3,177,659
2001 5 $0
2002 2 $894
2003 3 $5,046
2004 7 $26,759
2005 140 $454,948
2006 2 $0
2007 1 $0
2008 8 $21,945
2009 1 $0
2010 4 $0
2012 4 $0
2015 1 $0
2017 31 $444,052
2018 3 $6,416
2019 2 $0
2020 6 $17,755
2021 1 $0
2022 2 $11,309
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1999 549 $3,915,192
2000 317 $3,177,659
2005 140 $454,948

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