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Flood Figures

ZIP 33196 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, 4,767 NFIP flood insurance policies are in force in ZIP 33196 (Miami, FL), with 1,181 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,767
Median annual premium
$755
premium only
Median annual cost
$981
premium + fees & surcharges
Mean annual premium
$770
premium only
Policies in SFHA zones
89.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,165,928,000
Contents coverage in force
$259,130,000

"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 33196 by rated flood zone
Policies Share Share bar
AH 3,973 83.3%
X 519 10.9%
AHB 254 5.3%
AE 21 0.4%

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 33196 by occupancy type
Policies Share Share bar
Single-family homes 4,597 96.4%
Non-residential buildings 68 1.4%
Units in multi-unit buildings 55 1.2%
Multi-unit buildings 45 0.9%
Mobile homes 2 0.0%

Claims history since 1978

Claims since 1978
1,181
Total paid
$4,190,940
Paid on buildings
$3,373,062
Paid on contents
$817,878
NFIP claims filed per year in ZIP 33196, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1981 7 $5,509
1982 1 $0
1983 1 $0
1984 1 $0
1991 1 $0
1992 103 $136,902
1994 13 $24,220
1995 6 $42,152
1997 18 $10,036
1998 6 $2,314
1999 468 $1,390,066
2000 136 $489,014
2001 9 $9,268
2002 3 $0
2003 8 $0
2004 12 $13,852
2005 280 $1,544,810
2006 3 $7,453
2007 4 $2,737
2008 6 $35,512
2009 6 $5,490
2010 6 $2,126
2011 5 $12,353
2012 6 $0
2013 5 $0
2014 3 $0
2015 4 $12,736
2016 2 $0
2017 39 $380,880
2018 3 $5,917
2019 3 $0
2020 7 $48,466
2022 3 $0
2023 2 $2,307
2025 1 $6,820

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2005 280 $1,544,810
1999 468 $1,390,066
2000 136 $489,014

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