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Flood insurance cost · ZIP 33161 · FL

Flood insurance cost in ZIP 33161 (unincorporated Miami-Dade County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,144 home policies in force on August 31, 2026.

ZIP code 33161 (unincorporated Miami-Dade County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$800a year

Half of insured homes paid between $663 and $969. That is 12% less than the Miami-Dade County median ($909). Most insured homes here are rated in zone AE (97%).

$0$663 · $800 · $969$1,211
+2.3% vs Aug 31, 2025 (median $782)
3,144home policies in force
$850average cost (mean)
97%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 33161

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		$800$662–$967$8453,041 (97%)+2.6%
Zone X
Moderate to low risk		$808$693–$999$84193 (3%)−1.6%

Not shown (fewer than 10 home policies): VE, 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 33161, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,712$786$837
2–4 unit building364$965$1,023
Condo or apartment unit68$440$476
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.		172$1,886$2,489
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		151$1,878$2,029

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

3,467NFIP policies in force, any building
5,121insured units (condo association policies count every unit)
70%of home policies also cover contents
$67,000median contents coverage, when bought

One year on: ZIP code 33161

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 force3,1993,144−1.7%
Median annual cost$782$800+2.3%
Average annual cost$827$850+2.8%
All policies in force (any building)3,5233,467−1.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33161 have filed 2,611 flood claims. 1,863 received a payment, for a total of $43.4 million (an average of $23,275 per paid claim). The year with the most claims was 2000 (1,051 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1980: 14 claims19801981: 11 claims1984: 25 claims, 16 paid, $110,735 in total19901991: 56 claims, 41 paid, $269,033 in total1992: 64 claims, 19 paid, $240,716 in total1994: 43 claims, 23 paid, $159,964 in total1995: 53 claims, 36 paid, $231,614 in total1998: 20 claims1999: 306 claims, 191 paid, $1,502,405 in total19992000: 1,051 claims, 895 paid, $14,613,340 in total200020002002: 92 claims, 70 paid, $1,313,276 in total2004: 22 claims2005: 111 claims, 23 paid, $338,961 in total2007: 25 claims, 16 paid, $240,079 in total2008: 15 claims2009: 27 claims, 19 paid, $753,440 in total20102013: 52 claims, 38 paid, $1,078,023 in total2017: 170 claims, 118 paid, $5,911,902 in total2019: 16 claims, 12 paid, $296,042 in total2020: 99 claims, 76 paid, $1,639,892 in total20202022: 36 claims, 26 paid, $1,653,774 in total2023: 26 claims, 19 paid, $1,316,710 in total2024: 185 claims, 163 paid, $11,337,400 in total2024
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 (23)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024185163$11,337,400$69,555
20232619$1,316,710$69,301
20223626$1,653,774$63,607
20209976$1,639,892$21,578
20191612$296,042$24,670
2017170118$5,911,902$50,101
20135238$1,078,023$28,369
20092719$753,440$39,655
200815<10––
20072516$240,079$15,005
200511123$338,961$14,737
200422<10––
20029270$1,313,276$18,761
20001,051895$14,613,340$16,328
1999306191$1,502,405$7,866
199820<10––
19955336$231,614$6,434
19944323$159,964$6,955
19926419$240,716$12,669
19915641$269,033$6,562
19842516$110,735$6,921
198111<10––
198014<10––

From 2016 to 2026: 532 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 (1,337 home policies) · North Miami (1,158 home policies) · Biscayne Park (631 home policies) · Miami Shores Village (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.