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Flood insurance cost · ZIP 33143 · FL

Flood insurance cost in ZIP 33143 (unincorporated Miami-Dade County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,911 home policies in force on August 31, 2026.

ZIP code 33143 (unincorporated Miami-Dade County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,232a year

Half of insured homes paid between $1,030 and $1,582. That is 36% more than the Miami-Dade County median ($909). The most common flood zone for insured homes here is zone AH (42%).

$0$1,030 · $1,232 · $1,582$1,978
+14.2% vs Aug 31, 2025 (median $1,079)
1,911home policies in force
$1,441average cost (mean)
62%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 33143

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 AE
High risk		$1,975$1,408–$2,722$2,148378 (20%)+9.5%
Zone AH
High risk, shallow		$1,058$954–$1,287$1,192799 (42%)+13.0%
Zone X
Moderate to low risk		$1,260$1,081–$1,375$1,297725 (38%)+16.7%

Not shown (fewer than 10 home policies): VE, A, 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 ZIP code 33143, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,834$1,252$1,470
Condo or apartment unit70$630$693
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.		55$7,219$6,651
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		80$3,118$3,670

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home.

2,046NFIP policies in force, any building
3,911insured units (condo association policies count every unit)
83%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 33143

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 force1,9891,911−3.9%
Median annual cost$1,079$1,232+14.2%
Average annual cost$1,317$1,441+9.4%
All policies in force (any building)2,1342,046−4.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33143 have filed 730 flood claims. 398 received a payment, for a total of $6,606,193 (an average of $16,598 per paid claim). The year with the most claims was 1992 (178 claims). Amounts are in dollars of the time, not adjusted for inflation.

050100150200198019901991: 12 claims1992: 178 claims, 77 paid, $1,945,140 in total19921997: 17 claims, 12 paid, $33,460 in total1999: 97 claims, 57 paid, $511,254 in total19992000: 43 claims, 23 paid, $365,813 in total20002005: 142 claims, 75 paid, $1,153,427 in total200520102011: 34 claims, 28 paid, $770,112 in total2013: 21 claims2017: 72 claims, 51 paid, $1,196,904 in total20202022: 46 claims, 44 paid, $400,982 in total
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 (10)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20224644$400,982$9,113
20177251$1,196,904$23,469
201321<10––
20113428$770,112$27,504
200514275$1,153,427$15,379
20004323$365,813$15,905
19999757$511,254$8,969
19971712$33,460$2,788
199217877$1,945,140$25,262
199112<10––

From 2016 to 2026: 118 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

Unincorporated Miami-Dade County (834 home policies) · South Miami (623 home policies) · Coral Gables (446 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.