33138 property risk report: Miami, FL

Due diligence checklist for 33138

1. Check whether flood insurance is mandatory

   37% of buildings here are in the Special Flood Hazard Area. A mortgage from a federally regulated or insured lender, or one backed by Fannie Mae, Freddie Mac, FHA or VA, requires flood insurance on a building in that zone (42 U.S.C. 4012a). The zone is decided parcel by parcel, so ask the lender for its flood zone determination early. When flood insurance is required

2. Look at the new flood map that takes effect February 19, 2027

   FEMA's final flood hazard determination for Miami-Dade County (91 FR 65238, published October 14, 2026) sets February 19, 2027 as the effective date of new Flood Insurance Rate Maps. The zones on this page come from the maps in effect now; a parcel's zone and base flood elevation can change on that date. What the 2027 Miami-Dade maps change

3. Budget for flood insurance with real local figures

   The median annual cost of the 1,546 NFIP policies on single-family houses in this ZIP was $1,440 (policies in force on August 31, 2026, including FEMA's fees and surcharges). By zone, the median is $1,637 in the high-risk zone and $1,037 outside it. Each quote is property-specific under Risk Rating 2.0. How NFIP premiums are set

4. Ask the seller for an Elevation Certificate

   An Elevation Certificate (FEMA Form FF-206-FY-22-152, formerly 086-0-33) records the building's lowest floor against the base flood elevation, which on the current map ranges from 4 to 11 ft in this ZIP. It is optional under Risk Rating 2.0 but can lower the premium, and it is the evidence for a map amendment if the building stands above the flood elevation. Elevation certificates explained

5. Read the seller's flood disclosure

   Florida sellers of residential property must give buyers a flood disclosure form at or before the contract, covering past flood insurance claims, federal flood aid and, since October 1, 2025, known flood damage (Fla. Stat. 689.302). Florida's flood disclosure law

6. For commercial or investment purchases, plan a Phase I environmental site assessment

   EPA's records show 1 active NPL site within 1 mile (Continental Cleaners); 1 other Superfund-program site inside the ZIP; 240 brownfield properties inside the ZIP. A Phase I ESA done to the All Appropriate Inquiries rule (40 CFR Part 312, met by ASTM E1527-21) is what a buyer needs to claim the Superfund landowner liability protections. A listing near a parcel is not evidence that the parcel is contaminated. Phase I ESAs and buyer protections

7. Consider sea level rise over the life of a mortgage

   5% of buildings here (378) are inside NOAA's mapped extent for 3 ft of sea level rise, and 8 at 1 ft. NOAA's Intermediate scenario projects about 1.1 ft of rise at Virginia Key by 2050 and 3.7 ft by 2100, relative to 2000. Reading sea level rise maps

8. Get a wind mitigation inspection

   Hurricane accounts for 51% of modelled natural-hazard losses in this ZIP. Florida insurers must offer premium discounts for wind-resistant features such as roof-to-wall connections and opening protection; a wind mitigation inspection on the state's form documents them. Wind mitigation and premiums

9. Test for radon

   Miami-Dade County is in EPA radon Zone 2 (moderate predicted indoor levels) on the 1993 county map. Levels vary house by house; EPA recommends testing every home.

33138 flood zones on the FEMA flood map

Buildings by flood zone on FEMA's effective Flood Insurance Rate Map. Zones A, AE, AH, AO and VE make up the Special Flood Hazard Area, the 1% annual chance floodplain.

By land area, 34% of the ZIP is in the Special Flood Hazard Area. Base flood elevations on the map range from 4 ft to 11 ft (NAVD 88), with a typical 8 ft where buildings stand. 22 buildings fall outside the digital map or in Zone D.

Most flood policies here belong to the NFIP community MIAMI (community 120650). It is in Community Rating System class 6, which under Risk Rating 2.0 takes 20% off the full-risk premium of every NFIP policy in the community, inside or outside the high-risk zone.

New maps: FEMA has set February 19, 2027 as the effective date of revised flood maps for Miami-Dade County (91 FR 65238). Zones above may change on that date. About the 2027 maps

An area figure cannot tell you one parcel's zone. Look up the address on FEMA's Flood Map Service Center or ask the lender for a flood zone determination.

Flood insurance cost and claims in 33138

Since 1979, NFIP policyholders in ZIP 33138 have filed 785 flood claims, 429 of them paid, for $9.1 million in total payments ($8.2 million since 2000). 76 claims came from buildings rated outside the high-risk zone.

Costs include the premium, reserve fund assessment, federal policy fee and HFIAA surcharge. NFIP claims cover insured buildings only. How premiums are set

Natural hazard losses in 33138

Expected annual building loss per $100,000 of building value, by hazard, from FEMA's National Risk Index. The percentile compares this ZIP with every US ZIP area that has the hazard.

Superfund sites near 33138

Distances run from the ZIP boundary to EPA's site point. Deleted sites have completed cleanup and been removed from the list. What NPL status means for buyers

Toxic release reporters within 3 miles

Inside the ZIP, EPA's Facility Registry lists 240 brownfield properties, 1 other Superfund-program site not on the NPL and 0 large-quantity hazardous waste generators. A listing records a program interest, not confirmed contamination.

Wildfire hazard in 33138

The Forest Service's Wildfire Hazard Potential map (2023) rates 0% of the land in this ZIP high or very high and 92% non-burnable, such as developed land. These are shares of land, not of homes; FEMA's modelled wildfire loss to buildings here ranks in the 6th percentile nationally.

Sea level rise in 33138

At the Virginia Key tide gauge, the 2022 federal projections range from 0.9 to 1.5 ft of rise by 2050 across scenarios, relative to 2000; the Intermediate scenario gives 1.1 ft. How to read these maps

Aviation noise in 33138

In the federal transportation noise map (2020), 4% of buildings here are modelled at 45 dB or more of 24-hour average aviation noise, 0% at 55 dB or more and 0% at 60 dB or more.

Modelled from airport operations; the map's publisher says it should not be used to judge single locations. Airport noise and property

Nearby ZIP codes

• 33150 Miami72 · High
• 33141 Miami Beach64 · High
• 33161 Miami58 · Moderate
• 33137 Miami42 · Moderate
• 33127 Miami49 · Moderate
• 33168 Miami63 · High

All Miami-Dade County ZIP codes ranked

Sources and dates

Data compiled October 22, 2026 from:

• FEMA National Risk Index December 2025 version, census tracts allocated to the ZIP by 2020 housing units
• FEMA National Flood Hazard Layer Effective maps as of July 2026, national snapshot; buildings from FEMA/ORNL USA Structures (June 2025)
• OpenFEMA NFIP policies and claims Policies in force August 31, 2026; claims 1978 to September 2026
• EPA National Priorities List, Toxics Release Inventory and Facility Registry Service NPL layer edited September 30, 2026; TRI reporting year 2024
• USDA Forest Service Wildfire Hazard Potential 2023 ZIP summary, Dillon 2023
• NOAA Sea Level Rise Viewer extents and 2022 Interagency projections
• US DOT/BTS National Transportation Noise Map 2020 aviation layer

This product uses FEMA's National Risk Index and OpenFEMA data but is not endorsed by FEMA, which cannot vouch for data or analyses derived from its datasets. This report describes a ZIP area. It is not an official flood zone determination, an appraisal, an insurance quote or an environmental site assessment. Full source list