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Flood Figures

ZIP 33186 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, 8,574 NFIP flood insurance policies are in force in ZIP 33186 (Miami, FL), with 3,451 flood claims recorded since 1978.

Policies & premiums

Policies in force
8,574
Median annual premium
$725
premium only
Median annual cost
$953
premium + fees & surcharges
Mean annual premium
$754
premium only
Policies in SFHA zones
89.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$2,020,940,000
Contents coverage in force
$424,255,000

"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 33186 by rated flood zone
Policies Share Share bar
AH 6,919 80.7%
X 1,155 13.5%
AHB 441 5.1%
AE 57 0.7%
A 2 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 33186 by occupancy type
Policies Share Share bar
Single-family homes 7,217 84.2%
Multi-unit buildings 803 9.4%
Non-residential buildings 391 4.6%
Units in multi-unit buildings 161 1.9%
Mobile homes 2 0.0%

Claims history since 1978

Claims since 1978
3,451
Total paid
$22,093,012
Paid on buildings
$15,784,267
Paid on contents
$6,308,745
NFIP claims filed per year in ZIP 33186, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 14 $559
1980 2 $429
1981 64 $34,253
1982 3 $0
1983 6 $0
1985 2 $1,484
1986 1 $0
1988 1 $0
1991 3 $628
1992 319 $154,442
1993 6 $11,224
1994 14 $22,072
1995 6 $1,945
1996 1 $0
1997 115 $278,745
1998 16 $155
1999 1,177 $7,199,261
2000 787 $6,506,025
2001 8 $4,297
2002 12 $10,627
2003 15 $46,727
2004 10 $9,493
2005 672 $6,151,545
2006 10 $3,996
2007 3 $5,355
2008 6 $1,025
2009 9 $12,680
2010 8 $0
2011 3 $0
2012 5 $26,439
2013 4 $0
2014 4 $0
2015 34 $842,996
2016 4 $0
2017 72 $636,523
2018 2 $0
2019 6 $4,109
2020 10 $69,042
2021 3 $0
2022 3 $2,351
2023 4 $521
2024 4 $12,461
2025 3 $41,603

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1999 1,177 $7,199,261
2000 787 $6,506,025
2005 672 $6,151,545

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