Households in Miami-Dade County paid a median of $795 a year for flood insurance on single-family homes, calculated from 523,931 National Flood Insurance Program policies written since January 2023. That is about 11% below the statewide median of $893 across the same 2023 to 2026 period.
Premiums have climbed every year since 2023, so a figure pooled across four years sits below what a policy written today costs. The year-by-year table further down shows where Miami-Dade County stands now.
A quarter of those households paid less than $608, and a quarter paid more than $1,082. That spread matters more than the midpoint, because since Risk Rating 2.0 every property is priced on its own characteristics rather than on a zone average.
Official source figures, as of 14 August 2026. Calculated from National Flood Insurance Program policy records published by FEMA. These are premiums other policyholders paid, not a quote or an offer of coverage.
What each flood zone costs in Miami-Dade County
The rated flood zone is the strongest single predictor of cost. These are the medians inside Miami-Dade County, restricted to zones with at least 30 policies.
| Zone | Median | Policies |
|---|---|---|
| AH | $756 | 240,322 |
| AE | $818 | 219,280 |
| X | $911 | 47,986 |
| AHB | $727 | 15,215 |
| VE | $3,550 | 778 |
| A | $903 | 321 |
The gap is wide: Zone VE runs at $3,550 while Zone AHB sits at $727. Two homes a few streets apart can fall either side of that line, which is why a county average on its own tells you very little.
How Miami-Dade County premiums have moved
| Policy year | Median |
|---|---|
| 2023 | $712 |
| 2024 | $789 |
| 2025 | $863 |
| 2026 (partial year) | $914 |
That is a change of about 28% between 2023 and 2026. The 2026 figure covers policies effective so far this year and is not yet a complete year.
Where this figure comes from
These are premiums that policyholders actually paid, taken from FEMA policy records and filtered to single-family homes on twelve-month terms. They include the federal policy fee and the HFIAA surcharge, because those appear on the bill.
They are not a quote for any address. Read the full method, or compare costs across every flood zone.