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Flood insurance cost · ZIP 33181 · FL

Flood insurance cost in ZIP 33181 (North Miami, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,142 home policies in force on August 31, 2026.

ZIP code 33181 (North Miami, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,314a year

Half of insured homes paid between $970 and $1,794. That is 45% more than the Miami-Dade County median ($909). Most insured homes here are rated in zone AE (96%).

$0$970 · $1,314 · $1,794$2,242
+4.8% vs Aug 31, 2025 (median $1,254)
1,142home policies in force
$1,485average cost (mean)
99%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 33181

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		$1,827$1,350–$2,714$2,11634 (3%)−5.0%
Zone AE
High risk		$1,312$971–$1,782$1,4751,092 (96%)+4.8%
Zone X
Moderate to low risk		$879$606–$1,010$78715 (1%)+7.5%

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 33181, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,023$1,389$1,573
2–4 unit building37$1,102$1,115
Condo or apartment unit81$534$540
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.		111$4,215$6,317
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		125$2,363$2,534

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

1,378NFIP policies in force, any building
5,588insured units (condo association policies count every unit)
74%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 33181

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 force1,1521,142−0.9%
Median annual cost$1,254$1,314+4.8%
Average annual cost$1,434$1,485+3.6%
All policies in force (any building)1,3831,378−0.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33181 have filed 574 flood claims. 269 received a payment, for a total of $9,877,642 (an average of $36,720 per paid claim). The year with the most claims was 1999 (81 claims). Amounts are in dollars of the time, not adjusted for inflation.

02550751001979: 15 claims198019901991: 12 claims1992: 64 claims, 10 paid, $95,922 in total1995: 12 claims1998: 12 claims1999: 81 claims, 33 paid, $263,332 in total19992000: 71 claims, 47 paid, $597,016 in total200020002005: 58 claims, 27 paid, $1,967,197 in total2009: 22 claims, 18 paid, $1,389,009 in total20102013: 21 claims, 17 paid, $588,907 in total2017: 73 claims, 37 paid, $2,498,520 in total20172019: 12 claims, 10 paid, $347,397 in total2020: 10 claims20202024: 24 claims, 21 paid, $1,643,709 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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20242421$1,643,709$78,272
202010<10––
20191210$347,397$34,740
20177337$2,498,520$67,528
20132117$588,907$34,642
20092218$1,389,009$77,167
20055827$1,967,197$72,859
20007147$597,016$12,702
19998133$263,332$7,980
199812<10––
199512<10––
19926410$95,922$9,592
199112<10––
197915<10––

From 2016 to 2026: 119 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

North Miami (1,022 home policies) · Unincorporated Miami-Dade County (74 home policies) · North Miami Beach (45 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.