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Flood Figures

ZIP 33193 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, 2,312 NFIP flood insurance policies are in force in ZIP 33193 (Miami, FL), with 847 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,312
Median annual premium
$663
premium only
Median annual cost
$883
premium + fees & surcharges
Mean annual premium
$676
premium only
Policies in SFHA zones
77.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$493,252,000
Contents coverage in force
$99,031,000

"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 33193 by rated flood zone
Policies Share Share bar
AH 1,390 60.1%
X 610 26.4%
AHB 165 7.1%
AE 145 6.3%
A 2 0.1%

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 33193 by occupancy type
Policies Share Share bar
Single-family homes 1,897 82.1%
Multi-unit buildings 315 13.6%
Units in multi-unit buildings 90 3.9%
Non-residential buildings 9 0.4%
Mobile homes 1 0.0%

Claims history since 1978

Claims since 1978
847
Total paid
$2,247,686
Paid on buildings
$1,807,566
Paid on contents
$440,120
NFIP claims filed per year in ZIP 33193, 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 16 $2,206
1982 1 $0
1983 1 $0
1984 2 $0
1985 1 $0
1989 1 $0
1991 1 $117
1992 58 $24,167
1993 1 $0
1994 6 $2,074
1995 6 $1,037
1996 2 $0
1997 31 $24,402
1998 4 $0
1999 348 $775,584
2000 133 $536,565
2001 3 $3,801
2002 2 $0
2003 7 $756
2004 11 $3,504
2005 162 $713,681
2006 1 $0
2007 6 $8,640
2008 3 $1,630
2009 2 $0
2010 1 $0
2011 2 $0
2012 1 $891
2013 1 $0
2015 1 $0
2016 2 $0
2017 23 $80,914
2018 2 $0
2020 1 $15,263
2021 1 $0
2022 1 $52,456
2023 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1999 348 $775,584
2005 162 $713,681
2000 133 $536,565

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