Miami-Dade County, Florida
flood insurance data
- Of the 5 zones listed (AH, AE, X, VE, A), zone VE has the highest median premium ($3,551) and zone AH the lowest ($844). Coastal high-hazard zone VE is listed, with 237 policies.
- The median paid claim, $20,798, is 63.6% below the Florida median ($57,176) and 44.2% below the national median of the same years ($37,248), the 151st highest of 339 counties with all four FEMA sources.
- Of the 162,835 owner registrations FEMA inspected in Miami-Dade County after disasters of every declared type, 0.1% show more than $30,000 of FEMA-inspected damage, against 1.7% across Florida and 2.6% nationally. The disaster with the most inspections is DR-1609, HURRICANE WILMA (declared 2005-10-24), with 84,661.
- With 159,388 residential NFIP policies effective 2025, Miami-Dade County has the 2nd most of 339 counties with all four FEMA sources, and the most of 43 Florida counties of that list.
Source: FEMA, OpenFEMA NfipPolicies (v3, data as of 2026-09-09, retrieved 2026-10-11 and 2026-10-12), NfipClaims (v3, data as of 2026-09-09, retrieved 2026-10-12), DisasterDeclarationsSummaries (v2, data as of 2026-10-11, retrieved 2026-10-12), HousingAssistanceOwners (v2, data as of 2026-10-11, retrieved 2026-10-12), NfipCommunityStatusBook (v1, data as of 2026-10-11, retrieved 2026-10-12); CPI-U, U.S. city average, all items (CUUR0000SA0), annual average (BLS Public Data API v1, annual averages 2005-2025, retrieved 2026-10-12). Not an official federal report.
NFIP premiums in Miami-Dade County
NFIP premiums: what NFIP policyholders paid, not a quote. Across 159,388 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $876, and half of them fall between $658 (Q1) and $1,169 (Q3).
Inside the Special Flood Hazard Area (SFHA), the median premium in Miami-Dade County is $851, 21.0% lower than outside it ($1,077); most of its zoned policies sit inside the SFHA (90.3%). The median NFIP premium in Miami-Dade County, $876, is 12.6% below the Florida median ($1,002) and 17.0% below the national median ($1,055); it is the 76th lowest of 339 counties with all four FEMA sources. Residential NFIP policies counted by FEMA fell 4.9% between 2019 (167,576) and 2025 (159,387); the count peaked in 2020 (169,057).
| Flood zone group | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| SFHA (A, AE, AH, AO, AR, A99, V, VE) | 143,965 | $644 | $851 | $1,179 |
| Outside SFHA (X, B, C) | 15,422 | $840 | $1,077 | $1,087 |
By flood zone
| Flood zone | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| AH | 76,682 | $681 | $844 | $985 |
| AE | 66,937 | $575 | $896 | $1,818 |
| X | 15,422 | $840 | $1,077 | $1,087 |
| VE | 237 | $2,259 | $3,551 | $6,603 |
| A | 108 | $682 | $994 | $1,567 |
Policies in force by year
| Year | Policies |
|---|---|
| 2019 | 167,576 |
| 2020 | 169,057 |
| 2021 | 168,781 |
| 2022 | 156,431 |
| 2023 | 157,821 |
| 2024 | 161,659 |
| 2025 | 159,387 |
Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 the two bases differ: 159,387 policies counted by the API, 159,388 in the premium statistics.
NFIP paid building claims in Miami-Dade County
NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 4,475 paid claims; median $20,798, half of them between $7,184 (Q1) and $56,551 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $24,969, a monetary adjustment, not today’s cost of repair.
With 4,475 paid claims (year of loss 2015-2024), Miami-Dade County has the 22nd most of 339 counties with all four FEMA sources, and the 13th most of 43 Florida counties of that list. The named event with the most paid claims in Miami-Dade County, Hurricane Irma, accounts for 44.2% of them, ahead of June South Florida Flooding (13.6%): no single event holds a majority. Two years hold 70.9% of the paid claims (year of loss 2015-2024): 2017 with 2,090 and 2020 with 1,085.
| Event | Paid claims | Share |
|---|---|---|
| Hurricane Irma | 1,977 | 44.2% |
| June South Florida Flooding | 607 | 13.6% |
| Hurricane Eta | 414 | 9.3% |
| Tropical Storm Alex | 165 | 3.7% |
| April Florida Flooding | 19 | 0.4% |
Paid claims by year of loss
| Year of loss | Paid claims |
|---|---|
| 2015 | 98 |
| 2016 | 10 |
| 2017 | 2,090 |
| 2018 | 9 |
| 2019 | 148 |
| 2020 | 1,085 |
| 2021 | 14 |
| 2022 | 212 |
| 2023 | 176 |
| 2024 | 633 |
FEMA disaster declarations
Since 2000: 21 flood, hurricane and severe-storm declarations (DR and EM) covering Miami-Dade County, 11 of them major disaster declarations.
| Incident type | Declarations |
|---|---|
| Flood | 0 |
| Hurricane | 17 |
| Severe Storm | 4 |
Latest declarations
- DR-4834: HURRICANE MILTON (Hurricane, 2024-10-11)
- EM-3622: HURRICANE MILTON (Hurricane, 2024-10-07)
- DR-4680: HURRICANE NICOLE (Hurricane, 2022-12-13)
- DR-4673: HURRICANE IAN (Hurricane, 2022-09-29)
- EM-3584: TROPICAL STORM IAN (Hurricane, 2022-09-24)
FEMA assistance to homeowners
Since 2002: 162,835 owner registrations inspected by FEMA in Miami-Dade County after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.
| Damage band | Registrations |
|---|---|
| No FEMA-inspected damage | 49,349 |
| $1-$10,000 | 111,649 |
| $10,001-$20,000 | 1,389 |
| $20,001-$30,000 | 246 |
| More than $30,000 | 202 |
Disasters with the most inspections
- DR-1609, HURRICANE WILMA (declared 2005-10-24): 84,661 inspections
- DR-4337, HURRICANE IRMA (declared 2017-09-10): 72,258 inspections
- DR-1545, HURRICANE FRANCES (declared 2004-09-04): 4,228 inspections
- DR-1460, SEVERE STORMS AND TORNADOES (declared 2003-04-25): 1,664 inspections
- EM-3560, SURFSIDE BUILDING COLLAPSE (declared 2021-06-25): 24 inspections
NFIP communities and flood maps
FEMA’s Community Status Book places 35 NFIP communities in Miami-Dade County alone; 27 of them (77.1%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 3 (Cutler Bay, Town of and Miami-Dade County*): FEMA applies that 35% discount to the full-risk premium of Regular Program NFIP policies in those communities, inside or outside the SFHA, not to the whole county; a policy can be excluded if its building does not comply with local floodplain rules.
| Community | In the NFIP | CRS class | CRS discount (all policies) | Map in effect | First FIRM | Sanction |
|---|---|---|---|---|---|---|
| Cutler Bay, Town of | yes | 3 | 35% | 2027-02-19 (>) | 1972-09-29 | — |
| Miami-Dade County* | yes | 3 | 35% | 2027-02-19 (>) | 1972-09-29 | — |
| Coral Gables, City of | yes | 5 | 25% | 2027-02-19 (>) | 1972-09-29 | — |
| Miami Beach, City of | yes | 5 | 25% | 2027-02-19 (>) | 1972-09-29 | — |
| Palmetto Bay, Village of | yes | 5 | 25% | 2027-02-19 (>) | 1972-09-29 | — |
| Aventura, City of | yes | 6 | 20% | 2027-02-19 (>) | 1972-09-29 | — |
| Doral, City of | yes | 6 | 20% | (NSFHA) | 1972-09-29 | — |
| Miami Lakes, Town of | yes | 6 | 20% | 2027-02-19 (>) | 1972-09-29 | — |
| Miami Shores Village, Village of | yes | 6 | 20% | 2027-02-19 (>) | 1972-09-29 | — |
| Miami, City of | yes | 6 | 20% | 2027-02-19 (>) | 1972-09-29 | — |
| North Miami, City of | yes | 6 | 20% | 2027-02-19 (>) | 1972-09-29 | — |
| South Miami, City of | yes | 6 | 20% | 2027-02-19 (>) | 1972-09-29 | — |
| Surfside, Town of | yes | 6 | 20% | 2027-02-19 (>) | 1972-09-29 | — |
| Hialeah, City of | yes | 7 | 15% | 2027-02-19 (>) | 1972-09-29 | — |
| Homestead, City of | yes | 7 | 15% | 2027-02-19 (>) | 1972-09-29 | — |
| Miami Gardens, City of | yes | 7 | 15% | 2027-02-19 (>) | 1972-09-29 | — |
| North Miami Beach, City of | yes | 7 | 15% | 2027-02-19 (>) | 1972-09-29 | — |
| Pinecrest, Village of | yes | 7 | 15% | 2027-02-19 (>) | 1972-09-29 | — |
| Sunny Isles Beach, City of | yes | 7 | 15% | 2027-02-19 (>) | 1972-09-29 | — |
| Bal Harbour Village, Village of | yes | 8 | 10% | 2027-02-19 (>) | 1972-09-29 | — |
| Key Biscayne, Village of | yes | 8 | 10% | 2027-02-19 (>) | 1972-09-29 | — |
| North Bay Village, City of | yes | 8 | 10% | 2027-02-19 (>) | 1972-09-29 | — |
| Bay Harbor Islands, Town of | yes | 9 | 5% | (NSFHA) | 1972-09-29 | — |
| Medley, Town of | yes | 9 | 5% | 2027-02-19 (>) | 1972-09-29 | — |
| Biscayne Park, Village of | yes | 10 | — | 2027-02-19 (>) | 1972-09-29 | — |
| Golden Beach, Town of | yes | 10 | — | 2027-02-19 (>) | 1972-09-29 | — |
| Opa-Locka, City of | yes | 10 | — | 2027-02-19 (>) | 1972-09-29 | — |
| El Portal, Village of | yes | — | — | 2027-02-19 (>) | 1972-09-29 | — |
| Florida City, City of | yes | — | — | 2027-02-19 (>) | 1972-09-29 | — |
| Hialeah Gardens, City of | yes | — | — | 2027-02-19 (>) | 1972-09-29 | — |
| Indian Creek Village, Village of | yes | — | — | 2027-02-19 (>) | 1972-09-29 | — |
| Miami Springs, City of | yes | — | — | 2027-02-19 (>) | 1972-09-29 | — |
| Sweetwater, City of | yes | — | — | 2027-02-19 (>) | 1972-09-29 | — |
| Virginia Gardens, Village of | yes | — | — | 2027-02-19 (>) | 1972-09-29 | — |
| West Miami, City of | yes | — | — | 2027-02-19 (>) | 1972-09-29 | — |
Questions about flood insurance in Miami-Dade County
How much is flood insurance in Miami-Dade County?
NFIP policyholders in Miami-Dade County paid a median of $876 for residential policies effective 2025 (159,388 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $658 and $1,169; $851 inside the Special Flood Hazard Area against $1,077 outside it: what NFIP policyholders paid, not a quote.
How many flood insurance claims has Miami-Dade County had?
4,475 NFIP building claims were paid (year of loss 2015-2024), with a median of $20,798; the year with the most was 2017 (2,090), and the named event with the most was Hurricane Irma (1,977). These are amounts paid, not repair cost.
Is Miami-Dade County in a flood zone?
Of the residential NFIP policies of Miami-Dade County (policies effective 2025), 143,965 are rated inside the Special Flood Hazard Area and 15,422 outside it (zones listed: AH, AE, X, VE, A), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.
Statewide figures: Florida flood insurance data.
Named storms with paid claims in Miami-Dade County
Related tools
NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.
To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.
Before using these figures
A county figure can rest on one disaster, and FEMA’s county code may not be the county where every property stands. Method and limits.
Source and notice
- Dominant event: Hurricane Irma = 0.442 of paid claims 2015-2024.
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).