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Flood Figures

ZIP 33187 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, 1,134 NFIP flood insurance policies are in force in ZIP 33187 (Miami, FL), with 587 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,134
Median annual premium
$756
premium only
Median annual cost
$976
premium + fees & surcharges
Mean annual premium
$759
premium only
Policies in SFHA zones
86.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$246,436,000
Contents coverage in force
$52,422,000

"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 33187 by rated flood zone
Policies Share Share bar
AH 923 81.4%
X 155 13.7%
AHB 47 4.1%
AE 6 0.5%
A 3 0.3%

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 33187 by occupancy type
Policies Share Share bar
Single-family homes 906 79.9%
Mobile homes 198 17.5%
Non-residential buildings 23 2.0%
Units in multi-unit buildings 4 0.4%
Multi-unit buildings 3 0.3%

Claims history since 1978

Claims since 1978
587
Total paid
$2,860,625
Paid on buildings
$2,336,028
Paid on contents
$524,596
NFIP claims filed per year in ZIP 33187, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1981 35 $54,926
1982 2 $202
1983 2 $0
1989 2 $0
1992 48 $96,499
1993 1 $6,085
1994 3 $18,207
1995 2 $3,240
1997 3 $11,342
1998 2 $0
1999 148 $940,916
2000 119 $525,871
2002 1 $0
2003 2 $0
2004 3 $10,882
2005 192 $1,162,642
2007 2 $0
2008 2 $3,724
2010 1 $4,219
2011 1 $0
2014 1 $0
2015 2 $0
2016 1 $0
2017 9 $0
2020 1 $21,870
2022 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2005 192 $1,162,642
1999 148 $940,916
2000 119 $525,871

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