Flood insurance in Miami-Dade County, Florida
What existing NFIP policyholders here actually pay, how that compares with FEMA's full-risk price, the flood risk, the claims history, and how to pay less — every figure from public federal data, sourced and dated.
Policies as of July 31, 2026366,669 policy units in force
This is what existing single-family policies cost — not a quote. Your own premium depends on your building, coverage and elevation.
Check your address on FEMA's flood map →Your flood zone is set at your exact address and drives your price and whether coverage is required. Look it up first, then read your zone's row in "What does it cost in my flood zone?" below.
How much flood risk is here?
FEMA's National Risk Index rates Miami-Dade County's coastal flood risk Very High and inland flood risk Very High, from expected annual loss.
- Coastal flood riskVery High
- Coastal modeled annual loss (county)$22,785,674/yr (Very High, 68th national percentile)
- Inland flood riskVery High
- Inland modeled annual loss (county)$355,791,326/yr (Very High, 50th national percentile)
Modeled annual loss is FEMA's estimate for the whole county (all buildings), not any one home's expected loss or premium, and not a flood probability.
Source: FEMA OpenFEMA. Data effective NRI 2023 release; retrieved October 22, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
Am I required to carry it?
About 89.5% of the NFIP policy units in this dataset for Miami-Dade County are in mapped high-risk (A/V) zones — not 89.5% of all buildings. In a Special Flood Hazard Area a federally backed mortgage legally requires flood insurance.
- Zone AE213,140 policy units
- Zone AH95,251 policy units
- Zone X38,669 policy units
- Zone VE13,124 policy units
- Zone AHB5,982 policy units
- Zone A495 policy units
- Zone D2 policy units
- Zone C2 policy units
- Other or unclassified zones4 policy units
Zone mix by policy units (summed policyCount). Federal rule: a lender must require flood insurance on a building in a Special Flood Hazard Area with a federally backed loan (42 U.S.C. §4012a). This is the mix of existing policies, not of all buildings, and does not establish any one property's obligation.
Source: FEMA OpenFEMA. Data effective July 31, 2026; retrieved October 22, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
How much does it cost here?
Among existing single-family primary-residence NFIP policies in Miami-Dade County, the median annual cost is $891, with the middle half between $645 and $1,186 (131,075 policies). This is what current policyholders pay — a new policy on a different building can differ.
Each policy's annual cost (premium plus fees), single-family primary residences. The bar is the middle half (p25–p75); the orange line is FEMA's full-risk price.
Coverage in force: $83,253,469,000 of building and $9,266,717,000 of contents coverage across all Miami-Dade County policies.
Source: FEMA OpenFEMA. Data effective July 31, 2026; retrieved October 22, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
What does it cost in my flood zone?
Median annual cost of existing single-family policies by rated flood zone in Miami-Dade County — so you can read the row for your own zone (it's on your lender's determination).
| Flood zone | Median annual cost | Policies |
|---|---|---|
| Zone AH | $874 | 60,563 |
| Zone AE | $859 | 54,730 |
| Zone X | $1,081 | 12,282 |
| Zone AHB | $900 | 3,246 |
| Zone VE | $3,576 | 174 |
| Zone A | $1,150 | 74 |
Zones with fewer than 50 priced single-family policies are omitted. Your own premium still depends on elevation and coverage.
Source: FEMA OpenFEMA. Data effective July 31, 2026; retrieved October 22, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
Find your ZIP in this county
Type your ZIP to see its own NFIP policy count and median cost within Miami-Dade County. Biggest ZIPs are listed below.
Enter a 5-digit ZIP above.
| ZIP | Median annual cost | Policy units |
|---|---|---|
| 33160 | $2,415 | 31,048 |
| 33139 | $2,961 | 23,511 |
| 33131 | — | 16,751 |
| 33180 | $1,027 | 16,302 |
| 33140 | $4,001 | 14,176 |
| 33141 | $3,620 | 13,258 |
| 33132 | — | 9,331 |
| 33154 | $4,023 | 9,289 |
Median shown only for ZIPs with 25+ priced single-family policies; smaller ZIPs show count only.
Source: FEMA OpenFEMA. Data effective July 31, 2026; retrieved October 22, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
How do current premiums compare with FEMA's full-risk price?
30.4% of 131,075 single-family policies pay less than FEMA's own full-risk price; the median full-risk premium is $855 versus the $891 actually charged.
- Median charged now$891
- Median full-risk price$855
- Pay below full risk30.4% of 131,075
Source: FEMA OpenFEMA. Data effective July 31, 2026; retrieved October 22, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
Can I pay less than the sticker price?
24 of Miami-Dade County's 35 NFIP communities carry a Community Rating System discount that cuts every eligible policy's premium — up to 35% inside the high-risk zone (Cutler Bay, Town Of).
| Community | CRS class | High-risk discount | Other-area discount |
|---|---|---|---|
| Cutler Bay, Town Of | 3 | 35% | 10% |
| Miami-Dade County | 3 | 35% | 10% |
| Coral Gables, City Of | 5 | 25% | 10% |
| Miami Beach, City Of | 5 | 25% | 10% |
| Palmetto Bay, Village Of | 5 | 25% | 10% |
| Doral, City Of | 6 | 20% | 10% |
| Aventura, City Of | 6 | 20% | 10% |
| Miami, City Of | 6 | 20% | 10% |
| Miami Shores Village, Village Of | 6 | 20% | 10% |
| North Miami, City Of | 6 | 20% | 10% |
| South Miami, City Of | 6 | 20% | 10% |
| Surfside, Town Of | 6 | 20% | 10% |
| Miami Lakes, Town Of | 6 | 20% | 10% |
| Miami Gardens, City Of | 7 | 15% | 5% |
| Sunny Isles Beach, City Of | 7 | 15% | 5% |
| Pinecrest, Village Of | 7 | 15% | 5% |
| Hialeah, City Of | 7 | 15% | 5% |
| Homestead, City Of | 7 | 15% | 5% |
| North Miami Beach, City Of | 7 | 15% | 5% |
| Bal Harbour Village, Village Of | 8 | 10% | 5% |
| Key Biscayne, Village Of | 8 | 10% | 5% |
| North Bay Village, City Of | 8 | 10% | 5% |
| Bay Harbor Islands, Town Of | 9 | 5% | 5% |
| Medley, Town Of | 9 | 5% | 5% |
| Biscayne Park, Village Of | 10 | No discount | No discount |
| El Portal, Village Of | — | No discount | No discount |
| Florida City, City Of | — | No discount | No discount |
| Golden Beach, Town Of | 10 | No discount | No discount |
| Hialeah Gardens, City Of | — | No discount | No discount |
| Indian Creek Village, Village Of | — | No discount | No discount |
| Miami Springs, City Of | — | No discount | No discount |
| Opa-Locka, City Of | 10 | No discount | No discount |
| Sweetwater, City Of | — | No discount | No discount |
| Virginia Gardens, Village Of | — | No discount | No discount |
| West Miami, City Of | — | No discount | No discount |
The Community Rating System cuts NFIP premiums for every eligible policy in a community that does extra flood work. The discount shown is the community's rate; what share of its policies currently receive it is not in this data. Confirm with your agent.
Source: FEMA OpenFEMA. Data effective October 22, 2026; retrieved October 22, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
What do floods actually pay out here?
Between 1978 and 2026, Miami-Dade County had 62,029 paid NFIP flood claims totalling $853,903,859.
Orange bars are the three costliest years: 2000 ($146,656,165), 1992 ($139,659,084), 2005 ($124,215,052). Net building + contents payments by year of loss. Claims are matched by the claims dataset's county code, which may not exactly match a policy's property county.
That is 62,029 paid claims since 1978 against 366,669 policies in force today — a cumulative tally spanning ~49 years over a present-day snapshot, not an annual claim rate or a flood probability.
Source: FEMA OpenFEMA. Data effective 1978–2026; retrieved October 22, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
How often do the same homes flood here?
FEMA has recorded 785 properties in Miami-Dade County that flooded more than once and drew federal disaster aid for repeat flood losses, including 6 rated severe repetitive-loss.
- Repeat-loss properties785
- Severe repetitive-loss6
FEMA-designated repetitive-loss (RL) and severe repetitive-loss (SRL) properties — individual homes with more than one flood loss over time, aggregated to the county and distinct from the annual NFIP claim counts above. A high count means the same homes flood again and again here. These drew FEMA Individual Assistance (for uninsured losses), so read it as a chronic-flooding signal, not an insured-claims total.
Source: FEMA OpenFEMA. Data effective 2026-10-24; retrieved 2026-10-24. FEMA repetitive-loss flood-property records. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
How Miami-Dade County compares across the state
Every county in the state shaded by its FEMA flood-risk rating — Miami-Dade County is outlined, so you can see whether it runs hotter or cooler than its neighbours.
Source: FEMA OpenFEMA. Data effective NRI 2023 release; retrieved October 22, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
How common is flood insurance here?
Miami-Dade County has about 33.8 NFIP flood policies for every 100 homes (366,669 policy units vs 1,085,414 housing units).
- NFIP policy units366,669
- Housing units1,085,414
- Policies per 100 homes33.8
A coverage-commonness proxy: policy units include some multi-unit and non-residential policies and exclude private flood insurance, so read it as how widespread NFIP coverage is here, not an exact share of households.
Source: FEMA OpenFEMA NFIP + U.S. Census ACS 5-year 2023 (B25001), retrieved October 22, 2026.How often is this county a flood disaster?
Miami-Dade County has had 25 distinct federal flood, hurricane or tropical-storm disaster declarations. The most recent:
- 2024 — Hurricane: Hurricane Milton
- 2022 — Hurricane: Hurricane Nicole
- 2022 — Hurricane: Hurricane Ian
- 2021 — Severe Storm: Tropical Storm Elsa
- 2020 — Hurricane: Hurricane Isaias
- 2019 — Hurricane: Hurricane Dorian
Distinct storms by calendar year (one storm's emergency and major-disaster declarations are counted once), not individual declaration records.
Source: FEMA OpenFEMA. Data effective declarations through 2026; retrieved October 22, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
More data: FEMA disaster aid & reconciliation
Did the government pay homeowners after floods?
FEMA approved $159,212,112 in Individual & Households housing help to Miami-Dade County homeowners across 6 disasters, on 349,481 valid registrations.
FEMA Individual Assistance is disaster aid, usually capped and partial — separate from NFIP insurance and not a substitute for a policy.
Source: FEMA OpenFEMA. Data effective owner registrations by disaster; retrieved October 22, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.
Reconciliation & data completeness
Our counts are checked against FEMA's official figure and the API's own totals.
In-force count: 366,669 policy units (from 178,981 API records; condo-association records carry more than one unit). FEMA official reconciliation count pending for this county. Count reconciliation (not a snapshot proof): policies: 178981/178981 fetched; claims: 62029/62029 fetched.
What this data cannot tell you
- Your own premium — it depends on elevation, coverage and deductible. We show where existing policies fall.
- Private (non-NFIP) flood insurance prices.
- Your address's exact flood zone — use FEMA's Flood Map Service Center.
- Why premiums are rising — we show the gap to full-risk, not the cause.
- A year-over-year premium trend — the in-force snapshot holds only current-term policies, so a like-for-like multi-year index isn't possible from this data. A per-effective-year median is shown only where several years of policies exist.
The federal datasets behind this page
Every figure here comes from a public U.S. federal dataset — no estimates, no private data. This page joins 8 of them for Miami-Dade County, each linked to its official source. Data last pulled October 22, 2026.
- FEMA OpenFEMA — NFIP Policies
- FEMA OpenFEMA — NFIP Claims
- FEMA — National Risk Index (flood)
- FEMA OpenFEMA — NFIP Community Status Book (CRS)
- FEMA OpenFEMA — Disaster Declarations Summaries
- FEMA OpenFEMA — Housing Assistance (Owners)
- U.S. Census Bureau — ACS 5-year B25001 (housing units)
- FEMA OpenFEMA — Repetitive-Loss Flood Properties
Where would your premium fall?
Type your annual flood premium to see where it sits among Miami-Dade County's existing single-family policies. This is a comparison, not a quote.
Enter an amount above.