Flood Claims Map

Florida

Flood insurance claims in Miami-Dade County, Florida

FEMA records 62,029 National Flood Insurance Program claims in Miami-Dade County, Florida, since 1978, with $855.8 million paid in total. The year with the most claims was 1999, with 13,393. As of 3 August 2026, 33.4% of homes here had an NFIP policy, and 74.5% of homes in the high-risk flood zone did.

NFIP claims on record62,029
Total paid$855.8 million
Claims with a payment36,722
Homes with NFIP policy33.4%
High-risk zone homes insured74.5%
Residential policies in force164,154

Claims by year of loss

1978: 2319781979: 5051980: 1421981: 1,2181982: 33219821983: 1161984: 3471985: 781986: 7519861987: 771988: 381989: 271990: 4419901991: 8601992: 8,3901993: 1171994: 85319941995: 6791996: 1271997: 9121998: 47519981999: 13,3932000: 11,0912001: 2822002: 31120022003: 2832004: 4682005: 9,7172006: 15120062007: 2272008: 2272009: 8302010: 21420102011: 3872012: 3542013: 5112014: 10920142015: 2242016: 862017: 4,1002018: 8820182019: 2742020: 1,5262021: 782022: 34920222023: 3322024: 8642025: 902026: 28202613,393

NFIP claims by year of loss, Miami-Dade County, Florida

1978: $41,14719781979: $415,5051980: $164,6851981: $964,0071982: $320,66119821983: $99,2171984: $796,2041985: $368,9981986: $120,54719861987: $138,0701988: $39,9911989: $34,6231990: $69,73019901991: $4.0 million1992: $140.5 million1993: $695,9741994: $3.5 million19941995: $4.8 million1996: $135,8841997: $3.2 million1998: $1.5 million19981999: $91.5 million2000: $146.8 million2001: $1.1 million2002: $2.0 million20022003: $667,1402004: $3.3 million2005: $124.4 million2006: $1.7 million20062007: $2.8 million2008: $1.8 million2009: $26.5 million2010: $1.7 million20102011: $5.9 million2012: $8.8 million2013: $11.9 million2014: $471,11720142015: $2.6 million2016: $559,0792017: $108.7 million2018: $178,95920182019: $12.8 million2020: $58.2 million2021: $346,3852022: $9.3 million20222023: $13.8 million2024: $52.9 million2025: $2.7 million2026: $250,5912026$146.8 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Miami-Dade County, Florida

Named flood events with the most claims

Event (FEMA name)Claims
Flooding13,057
Hurricane Irene12,658
Hurricane Andrew8,025
Hurricane Katrina6,622
Hurricane Irma3,765
Hurricane Wilma2,073
June South Florida Flooding760
Hurricane Eta586

ZIP codes with the most claims

ZIP code (as reported)Claims
331773,778
331863,451
331612,611
331752,483
331572,003
331491,831
331661,711
331731,573
331761,432
331331,416

55,898 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $673.4 million, contents $182.4 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone199,250148,38974.5%
All homes492,181164,15433.4%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.