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Flood insurance cost · Miami-Dade County, FL

Flood insurance cost in Miami-Dade County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 157,036 home policies in force on August 31, 2026.

Miami-Dade County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$909a year

Half of insured homes paid between $668 and $1,226. That is 11% less than the Florida median ($1,017). The most common flood zone for insured homes here is zone AH (48%).

$0$668 · $909 · $1,226$1,532
+9.0% vs Aug 31, 2025 (median $834)
157,036home policies in force
$1,185average cost (mean)
91%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Miami-Dade County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$2,028$758–$4,134$2,948371 (0%)−2.2%
Zone AE
High risk		$879$571–$1,743$1,45866,846 (43%)+5.5%
Zone A
High risk		$958$652–$1,508$1,15099 (0%)+6.9%
Zone AH
High risk, shallow		$894$714–$1,077$94774,832 (48%)+10.9%
Zone X
Moderate to low risk		$1,082$820–$1,264$1,10814,886 (9%)+16.1%

Not shown (fewer than 10 home policies): AO, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Miami-Dade County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home146,681$918$1,201
2–4 unit building3,737$1,027$1,295
Manufactured (mobile) home408$803$1,012
Condo or apartment unit6,210$592$738
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		6,978$3,224$8,426
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		10,410$1,990$3,226
174,424NFIP policies in force, any building
356,431insured units (condo association policies count every unit)
70%of home policies also cover contents
$75,000median contents coverage, when bought

One year on: Miami-Dade County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force161,498157,036−2.8%
Median annual cost$834$909+9.0%
Average annual cost$1,100$1,185+7.7%
All policies in force (any building)179,111174,424−2.6%

How many homes have flood insurance?

33.4%of all homes in Miami-Dade County have an NFIP policy
74.5%of homes in high-risk zones (special flood hazard area) have one
492,181residential buildings counted by FEMA
199,250of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Miami-Dade County, Florida have filed 62,063 flood claims. 36,729 received a payment, for a total of $855.8 million (an average of $23,300 per paid claim). The year with the most claims was 1999 (13,394 claims). Amounts are in dollars of the time, not adjusted for inflation.

05k10k15k20k1978: 24 claims, 11 paid, $41,147 in total1979: 506 claims, 180 paid, $415,725 in total1980: 142 claims, 51 paid, $164,685 in total19801981: 1,231 claims, 609 paid, $964,917 in total1982: 334 claims, 155 paid, $330,118 in total1983: 119 claims, 22 paid, $99,389 in total1984: 351 claims, 186 paid, $797,816 in total1985: 78 claims, 23 paid, $368,998 in total1986: 75 claims, 25 paid, $120,547 in total1987: 77 claims, 25 paid, $138,070 in total1988: 38 claims1989: 27 claims1990: 44 claims19901991: 860 claims, 554 paid, $3,982,894 in total1992: 8,390 claims, 3,304 paid, $140,546,882 in total1993: 117 claims, 52 paid, $695,974 in total1994: 853 claims, 401 paid, $3,533,846 in total1995: 679 claims, 387 paid, $4,791,108 in total1996: 128 claims, 43 paid, $142,463 in total1997: 912 claims, 513 paid, $3,205,916 in total1998: 475 claims, 125 paid, $1,453,570 in total1999: 13,394 claims, 8,954 paid, $91,543,680 in total19992000: 11,091 claims, 8,503 paid, $146,753,592 in total200020002001: 282 claims, 100 paid, $1,117,907 in total2002: 311 claims, 148 paid, $2,021,419 in total2003: 283 claims, 75 paid, $667,140 in total2004: 468 claims, 124 paid, $3,261,773 in total2005: 9,717 claims, 5,789 paid, $124,397,049 in total20052006: 151 claims, 50 paid, $1,668,405 in total2007: 227 claims, 116 paid, $2,828,358 in total2008: 227 claims, 88 paid, $1,797,815 in total2009: 830 claims, 589 paid, $26,498,390 in total2010: 214 claims, 65 paid, $1,697,945 in total20102011: 387 claims, 235 paid, $5,945,448 in total2012: 354 claims, 159 paid, $8,811,081 in total2013: 511 claims, 315 paid, $11,931,920 in total2014: 109 claims, 22 paid, $471,117 in total2015: 224 claims, 108 paid, $2,604,264 in total2016: 86 claims, 12 paid, $559,079 in total2017: 4,100 claims, 2,139 paid, $108,748,445 in total2018: 88 claims, 11 paid, $178,959 in total2019: 274 claims, 164 paid, $12,787,028 in total2020: 1,525 claims, 1,137 paid, $58,223,040 in total20202021: 78 claims, 14 paid, $346,385 in total2022: 357 claims, 217 paid, $9,347,867 in total2023: 332 claims, 186 paid, $13,808,413 in total2024: 865 claims, 668 paid, $52,869,676 in total2025: 90 claims, 40 paid, $2,724,944 in total2026: 28 claims
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202628<10––
20259040$2,724,944$68,124
2024865668$52,869,676$79,146
2023332186$13,808,413$74,239
2022357217$9,347,867$43,078
20217814$346,385$24,742
20201,5251,137$58,223,040$51,208
2019274164$12,787,028$77,970
20188811$178,959$16,269
20174,1002,139$108,748,445$50,841
20168612$559,079$46,590
2015224108$2,604,264$24,114
201410922$471,117$21,414
2013511315$11,931,920$37,879
2012354159$8,811,081$55,416
2011387235$5,945,448$25,300
201021465$1,697,945$26,122
2009830589$26,498,390$44,989
200822788$1,797,815$20,430
2007227116$2,828,358$24,382
200615150$1,668,405$33,368
20059,7175,789$124,397,049$21,489
2004468124$3,261,773$26,305
200328375$667,140$8,895
2002311148$2,021,419$13,658
2001282100$1,117,907$11,179
200011,0918,503$146,753,592$17,259
199913,3948,954$91,543,680$10,224
1998475125$1,453,570$11,629
1997912513$3,205,916$6,249
199612843$142,463$3,313
1995679387$4,791,108$12,380
1994853401$3,533,846$8,813
199311752$695,974$13,384
19928,3903,304$140,546,882$42,538
1991860554$3,982,894$7,189
199044<10––
198927<10––
198838<10––
19877725$138,070$5,523
19867525$120,547$4,822
19857823$368,998$16,043
1984351186$797,816$4,289
198311922$99,389$4,518
1982334155$330,118$2,130
19811,231609$964,917$1,584
198014251$164,685$3,229
1979506180$415,725$2,310
19782411$41,147$3,741

From 2016 to 2026: 7,823 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Miami-Dade County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Miami-Dade County (85,059 home policies) · Hialeah (10,257 home policies) · Miami (7,656 home policies) · Miami Gardens (7,056 home policies) · Cutler Bay (6,972 home policies) · Homestead (6,329 home policies)