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Flood Figures

ZIP 33185 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, 3,686 NFIP flood insurance policies are in force in ZIP 33185 (Miami, FL), with 568 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,686
Median annual premium
$711
premium only
Median annual cost
$933
premium + fees & surcharges
Mean annual premium
$705
premium only
Policies in SFHA zones
88.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$891,116,000
Contents coverage in force
$180,057,000

"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 33185 by rated flood zone
Policies Share Share bar
AH 2,726 74.0%
X 525 14.2%
AHB 254 6.9%
AE 180 4.9%
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 33185 by occupancy type
Policies Share Share bar
Single-family homes 3,122 84.7%
Multi-unit buildings 479 13.0%
Non-residential buildings 45 1.2%
Units in multi-unit buildings 40 1.1%

Claims history since 1978

Claims since 1978
568
Total paid
$1,296,982
Paid on buildings
$991,532
Paid on contents
$305,450
NFIP claims filed per year in ZIP 33185, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 1 $0
1981 1 $445
1987 1 $0
1990 2 $0
1992 42 $9,210
1993 1 $0
1994 10 $11,931
1995 5 $4,317
1997 31 $15,585
1998 2 $2,004
1999 226 $519,910
2000 73 $156,312
2001 4 $8,946
2002 2 $19,875
2003 3 $0
2004 9 $19,868
2005 101 $327,632
2006 4 $10,033
2007 4 $33,865
2008 4 $0
2009 2 $3,789
2010 2 $0
2012 2 $0
2015 3 $2,243
2017 25 $105,996
2018 2 $22,850
2020 3 $16,124
2022 1 $0
2023 1 $6,050
2024 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1999 226 $519,910
2005 101 $327,632
2000 73 $156,312

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