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FEMA records 62,029 flood insurance claims in Miami-Dade County since 1978, with about $856 million paid. 9% of the claims with a rated flood zone came from moderate- or low-risk zones (X, B or C), outside the high-risk areas on FEMA’s flood maps.
Among the 50 largest U.S. cities, Miami ranks #4 for FEMA flood insurance claims per home: 30.4 claims per 1,000 homes since 1978 (6,792 claims within city limits). See all 50 cities
| ZIP | Claims | Share |
|---|---|---|
| 33177 | 3,778 | 6.1% |
| 33186 | 3,451 | 5.6% |
| 33161 | 2,611 | 4.2% |
| 33175 | 2,483 | 4.0% |
| 33157 | 2,003 | 3.2% |
| 33149 | 1,831 | 3.0% |
| 33166 | 1,711 | 2.8% |
| 33173 | 1,573 | 2.5% |
How to read this. These are National Flood Insurance Program claims, so they count only insured buildings and miss flooding where owners had no flood insurance. FEMA publishes them without names or addresses: they show which years and areas flooded, never whether a particular house did. ZIP codes are as reported on the claims, and a ZIP code can extend beyond the county. The “rated” flood zone is the one used to price the policy and may come from an older map. Data as of 2026-09-08, from FEMA OpenFEMA.
Next: look up the flood zone for an address · how to check whether a specific house has flooded · why Zone X can still flood · how to read the drainage map
Sunlight. Ground here gets about 5.2 kWh of sunlight per square meter per day on average (5.0 to 5.5 across the map), above the middle of the lower 48 (4.5). South-facing slopes get more, north-facing ones less.
Soil. The ground is mostly thin soil over rock (Leptosols 29%), with waterlogged soil (Gleysols 23%). There is little soil to hold rain; what happens next depends on the rock below.
The Solar and Soil tabs on the map above show both for any address. Read more: how much sun does my property get? · what soil type is my property, and how it affects drainage
Sunlight: long-term average on flat ground from the National Solar Radiation Database (National Laboratory of the Rockies, formerly NREL). Soil: most likely soil types from ISRIC SoilGrids, a 250 m model, not a survey of any lot. Both cover the map area above.
Browse all 64 flood and drainage maps · Flood insurance claims in the 50 largest cities · How Terreflow uses terrain and FEMA data