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Flood insurance costs in ZIP 33181 (Miami, FL)

Plain facts for homeowners in Miami: what flood insurance costs here, which flood zones local policies are in, and how the area's home insurance compares.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 33181 at a glance

Four numbers most homeowners ask about first.

$1,528
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

1,071
Flood policies

Single-family NFIP policies that took effect in 2025.

99%
In A or V zones

Share of those policies for homes in FEMA's high-risk flood zones.

$7,089
County home premium

Typical Miami-Dade County ZIP in 2022 (Treasury, inflation-adjusted).

ZIP 33181 in numbers
$1,335
median flood policy cost (2025)
$239,838
average building coverage
$1,511
average flood policy (2022)
Very high
county FEMA risk rating

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

Treasury didn't publish homeowners figures for ZIP 33181. It only released ZIP codes with at least 10 reporting insurers and 50 policies in its data. For reference, the typical ZIP code in Miami-Dade County averaged $7,089 per policy in 2022.

Miami-Dade County, Florida and U.S. typical ZIP codes

Miami-Dade County overview

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
Miami-DadeFloridaU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 33181 in 2025 cost $1,528, based on 1,071 policies, compared with $1,511 in 2022. About 99% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

1,071 policies
A zones 96%X/B/C zones 1%V zones 3%

Natural hazards

FEMA National Risk Index for Miami-Dade County

FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Miami-Dade County are listed, as national percentiles (100 = highest).

All county hazards

Top county hazards

  • Hurricane100 · Very High
  • Lightning100 · Very High
  • Inland flooding100 · Very High
  • Coastal flooding100 · Very High
  • Cold wave100 · Very High

Other ZIP codes in Miami-Dade County

ZIP codes with their own page. Showing 12 of 67; see the county page for all.

33010 Hialeah · —33012 Hialeah · —33013 Hialeah · —33014 Hialeah · —33015 Hialeah · $4,36333016 Hialeah · —33018 Hialeah · $3,63933030 Homestead · $4,76733031 Homestead · —33032 Homestead · $3,65433033 Homestead · $3,73933034 Homestead · —

Practical next steps

Simple things homeowners in ZIP 33181 can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.
Ask about a wind mitigation inspection. Florida insurers must offer discounts for wind-resistant features such as roof-to-wall straps, a secondary water barrier and opening protection. A licensed inspector's form documents what your home has.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer. Treasury's data covers a smaller share of Florida's market than of other states and leaves out Citizens Property Insurance and other residual-market policies, so Florida figures are less representative.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, 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). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.