Flood insurance cost · ZIP 33133 · FL

Flood insurance cost in ZIP 33133 (Miami, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,259 home policies in force on August 31, 2026.

ZIP code 33133 (Miami, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,457a year

Half of insured homes paid between $1,086 and $3,572. That is 60% more than the Miami-Dade County median ($909). Most insured homes here are rated in zone X (54%).

$0$1,086 · $1,457 · $3,572$4,465

+11.4% vs Aug 31, 2025 (median $1,308)

1,259home policies in force

$2,615average cost (mean)

46%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 ZIP code 33133

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone VE / V High risk, coastal	$4,854	$2,702–$7,153	$5,099	92 (7%)	+3.5%
Zone AE High risk	$3,764	$2,100–$5,662	$4,084	480 (38%)	+5.3%
Zone X Moderate to low risk	$1,231	$1,080–$1,361	$1,257	686 (54%)	+14.0%

Not shown (fewer than 10 home policies): A, AO, AH, 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 ZIP code 33133, by what they insure.

Type of building	Policies	Median	Average
Single-family home	1,067	$1,608	$2,881
2–4 unit building	43	$1,309	$1,560
Condo or apartment unit	149	$856	$1,018
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.	77	$9,158	$19,486
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	96	$3,782	$5,609

Not shown (fewer than 10 policies): manufactured (mobile) home.

1,432NFIP policies in force, any building

4,552insured units (condo association policies count every unit)

80%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 33133

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, 2025	Aug 31, 2026	Change
Home policies in force	1,282	1,259	−1.8%
Median annual cost	$1,308	$1,457	+11.4%
Average annual cost	$2,419	$2,615	+8.1%
All policies in force (any building)	1,456	1,432	−1.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33133 have filed 1,417 flood claims. 1,084 received a payment, for a total of $61.8 million (an average of $57,040 per paid claim). The year with the most claims was 1992 (530 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (9)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2022	10	<10	–	–
2017	374	315	$24,477,031	$77,705
2011	54	48	$1,655,283	$34,485
2005	150	95	$2,723,348	$28,667
2000	37	25	$473,482	$18,939
1999	105	61	$1,434,944	$23,524
1992	530	467	$29,433,023	$63,026
1984	48	32	$130,106	$4,066
1981	43	<10	–	–

From 2016 to 2026: 384 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.

NFIP communities in this ZIP code

Miami (1,038 home policies) · Coral Gables (220 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.