OUT OFTHE STORMNEWS

Independent insurance-cost data from public records.

June 2026 NFIP transactions

Flood Insurance Costs in Miami-Dade County, Florida

In June 2026, NFIP policies newly written or renewed in Miami-Dade County averaged $645 in premium and $831 in total policy cost across 34,920 transactions.

What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.

Average premium
$645

newly written or renewed policies

Average total cost
$831

premium plus included fees

Transactions
34,920

minimum published threshold: 100

State premium rank
31 of 44

eligible counties in Florida

Miami-Dade County, state, and national comparison

The county average premium was 36.1% below the state transaction average and 35.5% below the national transaction average. Its total policy cost was 35.3% below the state figure and 35.5% below the national figure.

GeographyAvg premiumAvg total costTransactions
Miami-Dade County$645$83134,920
Florida$1,010$1,285174,012
United States$1,001$1,289452,418

Miami-Dade County anchors the volume comparison with 34,920 transactions, volume rank 1 of 330. Its $645 average premium was 36.1% below the state transaction average, so this page separates sample depth from price level.

Descriptive rank context

Premium in Florida
31 of 44
Premium nationally
264 of 330
Transaction volume nationally
1 of 330

Method nfip-county-ranks-v1. Premium ranks sort the same 330 eligible county rows by average premium, then transaction count, then FIPS; the state rank uses that state's eligible subset. Volume rank sorts by transaction count, then FIPS. These ranks describe one source month and are not a score or recommendation.

Method and limitations

  • The figures describe policies newly written or renewed in June 2026; they are not FEMA's official average across all in-force policies.
  • Only named counties with matching state and five-digit FIPS codes, finite cost values, and at least 100 transactions enter the comparison population.
  • A monthly county average can change with the mix of properties renewing. It is not a household quote and does not include private flood insurance.
  • State and national values use the same transaction-based source month. A larger sample does not mean a lower or higher household price.

Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3). Snapshot generated 2026-08-30; source event through 2026-06-30. Read the complete methodology.

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