Flood insurance cost · ZIP 33156 · FL

Flood insurance cost in ZIP 33156 (Pinecrest, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,162 home policies in force on August 31, 2026.

ZIP code 33156 (Pinecrest, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$2,024a year

Half of insured homes paid between $1,264 and $3,089. That is 123% more than the Miami-Dade County median ($909). Most insured homes here are rated in zone AE (64%).

$0$1,264 · $2,024 · $3,089$3,861

+9.9% vs Aug 31, 2025 (median $1,841)

3,162home policies in force

$2,364average cost (mean)

74%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 33156

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	$6,882	$2,237–$8,652	$5,963	22 (1%)	−1.4%
Zone AE High risk	$2,620	$1,792–$3,624	$2,839	2,016 (64%)	+11.3%
Zone AH High risk, shallow	$1,147	$982–$1,613	$1,415	297 (9%)	+16.6%
Zone X Moderate to low risk	$1,263	$1,084–$1,468	$1,451	827 (26%)	+16.8%

Not shown (fewer than 10 home policies): 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 33156, by what they insure.

Type of building	Policies	Median	Average
Single-family home	3,111	$2,038	$2,379
2–4 unit building	20	$2,311	$2,357
Condo or apartment unit	31	$797	$877
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.	20	$5,905	$9,304
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	166	$3,860	$4,536

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

3,348NFIP policies in force, any building

4,566insured 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 33156

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	3,360	3,162	−5.9%
Median annual cost	$1,841	$2,024	+9.9%
Average annual cost	$2,186	$2,364	+8.1%
All policies in force (any building)	3,541	3,348	−5.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33156 have filed 1,402 flood claims. 875 received a payment, for a total of $32.1 million (an average of $36,732 per paid claim). The year with the most claims was 1992 (572 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 (10)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2017	120	67	$2,249,767	$33,579
2013	29	25	$1,298,061	$51,922
2011	36	27	$1,101,622	$40,801
2005	237	148	$4,486,687	$30,315
2000	76	55	$818,056	$14,874
1999	168	90	$1,816,344	$20,182
1997	24	14	$159,735	$11,410
1992	572	386	$19,549,825	$50,647
1982	19	14	$14,512	$1,037
1981	35	18	$43,371	$2,410

From 2016 to 2026: 120 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

Pinecrest (2,071 home policies) · Coral Gables (698 home policies) · Unincorporated Miami-Dade County (369 home policies) · South Miami (13 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.