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Flood Figures

ZIP 33189 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, 4,375 NFIP flood insurance policies are in force in ZIP 33189 (Miami, FL), with 1,181 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,375
Median annual premium
$1,235
premium only
Median annual cost
$1,571
premium + fees & surcharges
Mean annual premium
$1,558
premium only
Policies in SFHA zones
97.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$965,178,000
Contents coverage in force
$158,367,000

"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 33189 by rated flood zone
Policies Share Share bar
AE 3,585 81.9%
AH 662 15.1%
X 106 2.4%
AHB 22 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 33189 by occupancy type
Policies Share Share bar
Single-family homes 3,390 77.5%
Multi-unit buildings 860 19.7%
Units in multi-unit buildings 63 1.4%
Non-residential buildings 62 1.4%

Claims history since 1978

Claims since 1978
1,181
Total paid
$19,935,345
Paid on buildings
$15,091,753
Paid on contents
$4,843,591
NFIP claims filed per year in ZIP 33189, 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 14 $18,363
1982 4 $1,108
1983 1 $0
1985 1 $0
1986 1 $0
1992 666 $16,669,989
1994 6 $2,048
1995 4 $0
1997 3 $509
1998 3 $0
1999 118 $418,175
2000 30 $62,951
2001 1 $0
2002 4 $467
2003 1 $0
2004 3 $0
2005 207 $1,989,392
2006 2 $0
2008 2 $0
2009 1 $0
2010 3 $3,145
2011 11 $115,991
2012 3 $2,255
2013 4 $2,035
2014 1 $0
2015 1 $0
2016 1 $0
2017 67 $584,673
2018 5 $0
2019 2 $0
2020 1 $0
2022 6 $58,705
2023 2 $5,540
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1992 666 $16,669,989
2005 207 $1,989,392
2017 67 $584,673

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