33146 property risk report: Miami, FL
Flood zones, flood insurance costs and claims, modelled natural-hazard losses and EPA-listed sites for ZIP code 33146, built from federal data and measured the same way for every ZIP area on this site.
USPR Score
55/100 · Moderate
Modelled natural-hazard losses of about $139 a year per $100,000 of building value, against a US ZIP median of $132. How the score works
- Buildings in high-risk flood zone
- 3%
- 127 of 4,071, current FEMA map
- Median flood policy, house
- $1,263
- 613 NFIP policies, a year
- Active Superfund sites within 5 mi
- 0
- EPA National Priorities List
- Buildings at 3 ft sea level rise
- under 1%
- 2 buildings, NOAA extent
ZIP 33146 at a glance
- 3% of the 4,071 buildings in ZIP 33146 are in FEMA's high-risk flood zone (Special Flood Hazard Area), mostly Zone AH.
- FEMA's National Risk Index models natural-hazard losses here at about $139 a year per $100,000 of building value, more than 55% of US ZIP areas; hurricane accounts for 56% of it.
- No active Superfund (NPL) sites are within 5 miles; 2 former NPL sites nearby have been cleaned up and deleted from the list, the nearest Gold Coast Oil Corp. (1.7 miles away).
Due diligence checklist for 33146
Check whether flood insurance is mandatory
3% 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
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
Budget for flood insurance with real local figures
The median annual cost of the 613 NFIP policies on single-family houses in this ZIP was $1,263 (policies in force on August 31, 2026, including FEMA's fees and surcharges). By zone, the median is $1,154 in the high-risk zone and $1,264 outside it. Each quote is property-specific under Risk Rating 2.0. How NFIP premiums are set
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 7 to 10 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
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
Consider sea level rise over the life of a mortgage
Under 1% of buildings here (2) are inside NOAA's mapped extent for 3 ft of sea level rise, and 2 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
Get a wind mitigation inspection
Hurricane accounts for 56% 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
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.
33146 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.
| Flood zone | Buildings | Share |
|---|---|---|
| unshaded Zone X (minimal hazard) | 3,839 | 94% |
| Zone AH | 105 | 3% |
| shaded Zone X (0.2% annual chance) | 100 | 2% |
| Zone AE | 22 | under 1% |
| not on a digital FEMA map | 5 | under 1% |
| All buildings | 4,071 | 100% |
By land area, 8% of the ZIP is in the Special Flood Hazard Area. Base flood elevations on the map range from 7 ft to 10 ft (NAVD 88), with a typical 10 ft where buildings stand. 5 buildings fall outside the digital map or in Zone D.
Most flood policies here belong to the NFIP community CORAL GABLES (community 120639). It is in Community Rating System class 5, which under Risk Rating 2.0 takes 25% 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 33146
| NFIP policies in force, August 31, 2026 | Value |
|---|---|
| Policies (insured units) | 715 |
| In the high-risk zone | 25% |
| Median annual cost, single-family house (613) | $1,263 |
| House in the high-risk zone | $1,154 |
| House outside the high-risk zone | $1,264 |
| Median full-risk premium, house | $1,679 |
Since 1978, NFIP policyholders in ZIP 33146 have filed 88 flood claims, 33 of them paid, for $735,000 in total payments ($649,000 since 2000). 47 claims came from buildings rated outside the high-risk zone.
| Largest flood events by claims | Year | Claims | Paid |
|---|---|---|---|
| Hurricane Andrew | 1992 | 27 | $80,000 |
| Hurricane Irma | 2017 | 14 | $283,000 |
| Hurricane Irene | 1999 | 11 | $5,000 |
| Flooding | 1981 | 6 | $189,000 |
| Hurricane Katrina | 2005 | 2 | $23,000 |
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 33146
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.
| Hazard | Per $100k a year | Share of loss | US percentile |
|---|---|---|---|
| Hurricane | $78 | 56% | 93rd |
| Inland flooding | $58 | 41% | 21st |
| Tornado | $1.92 | 1% | 30th |
| Hail | $0.65 | under 1% | 38th |
| Coastal flooding | $0.41 | under 1% | 45th |
| Cold wave | $0.17 | under 1% | 90th |
| Earthquake | $0.08 | under 1% | 4th |
| All hazards | $139 | 100% | 55th |
Superfund sites near 33146
| EPA National Priorities List site | Status | Distance |
|---|---|---|
| Gold Coast Oil Corp. | Deleted 1996 | 1.7 mi |
| Varsol Spill | Deleted 1988 | 4.8 mi |
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
| Facility (TRI 2024) | Distance | On-site releases |
|---|---|---|
| Titan Florida-South Miami Rmc PlantNonmetallic Mineral Product · reports a carcinogen | 1.8 mi | 0 lb |
| Brain Power IncChemicals | 1.8 mi | 6 lb |
Inside the ZIP, EPA's Facility Registry lists 0 brownfield properties, 0 other Superfund-program sites not on the NPL and 1 large-quantity hazardous waste generator. A listing records a program interest, not confirmed contamination.
Wildfire hazard in 33146
The Forest Service's Wildfire Hazard Potential map (2023) rates 0% of the land in this ZIP high or very high and 82% 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 15th percentile nationally.
Sea level rise in 33146
| NOAA sea level rise extent above high tide | Buildings inside | Share |
|---|---|---|
| 1 ft | 2 | under 1% |
| 2 ft | 2 | under 1% |
| 3 ft | 2 | under 1% |
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 33146
No building in this ZIP is inside the 45 dB aviation noise contour of the federal transportation noise map (2020).
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
- 33143 Miami62 · High
- 33134 Miami60 · High
- 33133 Miami46 · Moderate
- 33155 Miami61 · High
- 33145 Miami44 · Moderate
- 33144 Miami71 · High
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