Water Damage & Mold Remediation in Miami, FL
Water in your home or signs of mold? Call to be connected with an independent, local restoration provider serving Miami and Miami-Dade County.
Call (000) 000-0000Updated November 6, 2026. Local figures from FEMA and NOAA data, with sources below.
Miami water and flood risk by the numbers
| Flood insurance claims filed since 1986 | 6,791[1] |
|---|---|
| Total paid on those claims (nominal dollars) | $119.5 million[1] |
| Claims filed since 2015 | 1,039[1] |
| Average payout per paid claim | $27,633[1] |
| Share of claims from outside FEMA high-risk flood zones | 10.5%[1] |
| Miami-Dade County homes in a FEMA high-risk flood zone | 40.5% (199,250 of 492,181)[2] |
| Miami-Dade County homes with NFIP flood insurance | 33.4%[2] |
| Federal major disaster declarations covering Miami-Dade County since 2000 | 11[3] |
| Average annual rainfall (Miami International Airport) | 67.4 inches[4] |
| Days per year with 0.1 inch or more of rain | 90[4] |
Want the full statewide table? See Florida flood claims by city.
What the data says for Miami homeowners
The average paid flood claim in Miami is $27,633, about 45% of the statewide average of $61,615[1]. 15% of Miami's claims were filed in 2015 or later, versus 44.9% statewide.
Flood claims history
FEMA records show 6,791 National Flood Insurance Program claims filed in Miami since 1986, with $119.5 million paid out[1]. The events behind the most claims were Hurricane Irene and Hurricane Andrew.
Flood zones
Most Miami flood claims come from mapped high-risk zones: only 10.5% of claims with a recorded zone were outside them[1]. If your home is in an A or V zone, check that your flood policy is current before storm season.
Flood insurance gap
Only 33.4% of homes in Miami-Dade County carry NFIP flood insurance[2]. Inside the high-risk flood zone, 74.5% are insured[2]. Uninsured flood damage is paid out of pocket, which makes fast drying to limit the damage even more important.
Rain and humidity
Miami averages 67 inches of rain a year, with 0.1 inch or more of rain on about 90 days and 27 inches falling in June through August alone[4]. Warm, wet conditions like these are why wet drywall, carpet pad and cabinets need to be dried quickly after any leak.
Disaster history
Miami-Dade County has been included in 11 federal major disaster declarations since 2000[3], including Hurricane Milton (2024), Hurricane Nicole (2022), Hurricane Ian (2022), Hurricane Irma (2017).
What to do right now
- Stay away from wet electrical equipment; if reaching the breaker means walking through water, call an electrician[7][8].
- Stop the source, then photograph everything and keep receipts[9].
- Start drying within 24 to 48 hours[10]. Full step-by-step guide.
Ready to talk to a provider? Call (000) 000-0000
Miami flood claims in detail
Where in Miami the claims are
ZIP code 33133 has the most flood insurance claims in Miami's FEMA records: 787 claims and $33.6 million paid[1].
| ZIP code | Claims | Paid |
|---|---|---|
| 33133 | 787 | $33.6 million |
| 33125 | 589 | $6.7 million |
| 33126 | 533 | $11.4 million |
| 33142 | 437 | $6.7 million |
| 33186 | 380 | $2.3 million |
| 33138 | 365 | $5.2 million |
| 33175 | 249 | $1.1 million |
| 33137 | 205 | $6.3 million |
The storms behind Miami's flood claims
| Event (FEMA label) | Claims | Paid |
|---|---|---|
| Hurricane Irene | 1,583 | $15.0 million |
| Hurricane Andrew | 835 | $16.6 million |
| Hurricane Irma | 679 | $34.3 million |
| Hurricane Katrina | 296 | $3.4 million |
| Hurricane Wilma | 213 | $3.4 million |
| Tropical Storm Alex | 29 | $1.6 million |
Hurricane Irene produced the most claims in Miami[1]. 3,056 claims (45%) are not linked to a named storm or designated flood event in FEMA's records, a reminder that heavy rain and high tides cause flood damage too.
Worst years
The years with the most Miami flood claims were 1999: 1,671 claims ($15.3 million); 2000: 1,627 claims ($26.9 million); 1992: 868 claims ($16.7 million); 2017: 714 claims ($35.1 million)[1].
Flood zone mix
Of 1,152 Miami claims with a recorded flood zone: 82% in zone A (high risk), 11% in zone X/B/C (moderate to low risk), 8% in zone V (coastal high hazard)[1].
Miami compared with nearby cities
| City | Claims (all years) | Since 2015 | Avg paid claim | Outside high-risk zone |
|---|---|---|---|---|
| Miami | 6,791 | 1,039 | $27,633 | 10.5% |
| Coral Gables | 1,189 | 314 | $43,606 | 5.4% |
| Miami Beach | 2,692 | 770 | $34,497 | 1.8% |
| Hialeah | 2,953 | 291 | $14,651 | 8.1% |
| Miami Gardens | 395 | 280 | $18,187 | 4.4% |
| North Miami Beach | 489 | 93 | $17,482 | 15.3% |
Source: FEMA NFIP claims[1].
Florida rules in brief
- Report a new claim within 1 year of the date of loss[11]. Most homeowners insurance does not cover flood[5]. Florida water damage claims explained.
- Mold remediation over 10 square feet requires a Florida license, issued to individuals; verify it with DBPR[12][13][14]. How mold remediation works.
- Costs: national guides put typical mold remediation at about $1,100 to $6,000 and water damage restoration at about $1,300 to $6,400[15][16][17][18]. Mold cost ยท Water damage cost.
Areas served
Calls from Miami are connected with independent providers serving Miami-Dade County. ZIP codes include: 33101, 33102, 33106, 33111, 33112, 33116, 33122, 33124, 33125, 33126, 33127, 33128, 33129, 33130, 33131, 33132, 33133, 33134, 33135, 33136, 33137, 33138, 33142, 33143, 33144, 33145, 33146, 33147, 33150, 33151, 33152, 33153, 33155, 33156, 33157, 33158, 33161, 33162, 33163, 33164, 33165, 33166, 33167, 33168, 33169, 33170, 33172, 33173, 33174, 33175, 33176, 33177, 33178, 33179, 33180, 33181, 33182, 33183, 33184, 33185, 33186, 33187, 33188, 33189, 33190, 33191, 33192, 33193, 33194, 33195, 33196, 33197, 33198, 33199, 33206, 33222, 33231, 33233, 33234, 33238, 33242, 33243, 33245, 33247, 33255, 33256, 33257, 33261, 33265, 33266, 33269, 33280, 33283, 33296, 33299[19].
Nearby: Coral Gables, Miami Beach, Hialeah, Miami Gardens, North Miami Beach, Miramar.
Miami water damage and mold questions
How many flood insurance claims have been filed in Miami?
6,791 since 1986, 1,039 of them since 2015, with $119.5 million paid in nominal dollars[1]. The average paid flood claim in Miami is $27,633, about 45% of the statewide average of $61,615[1]. 15% of Miami's claims were filed in 2015 or later, versus 44.9% statewide.
Which Miami ZIP code has the most flood claims?
33133, with 787 claims and $33.6 million paid, followed by 33125 with 589 claims[1].
Which storm caused the most flood claims in Miami?
Hurricane Irene, with 1,583 claims in FEMA's records[1]. By dollars, the costliest was Hurricane Irma at $34.3 million.
Can a Miami home flood outside a flood zone?
Yes. 40.5% of Miami-Dade County homes are in a FEMA high-risk flood zone[2], but 10.5% of Miami claims with a recorded zone came from outside high-risk areas[1]. Most homeowners insurance does not cover flood[5], and new NFIP policies usually have a 30-day wait[6].
How much rain does Miami get?
About 67 inches a year at Miami International Airport, with 27 inches in June through August and about 90 days with 0.1 inch or more[4].
Sources
Every figure on this page links to its source. Statutes are from the 2026 Florida Statutes. FEMA and NOAA figures were downloaded on 6 November 2026.
- FIMA NFIP Redacted Claims dataset, Florida records (analysis by RestoreNow USA). FEMA OpenFEMA. https://www.fema.gov/openfema-data-page/fima-nfip-redacted-claims-v2 Downloaded 6 Nov 2026. Dollar amounts are nominal (not adjusted for inflation).
- NFIP Residential Penetration Rates. FEMA OpenFEMA. https://www.fema.gov/openfema-data-page/nfip-residential-penetration-rates-v1 Data as of 2026-08-03.
- Disaster Declarations Summaries. FEMA OpenFEMA. https://www.fema.gov/openfema-data-page/disaster-declarations-summaries-v2
- U.S. Climate Normals 1991-2020, annual and seasonal. NOAA National Centers for Environmental Information. https://www.ncei.noaa.gov/products/land-based-station/us-climate-normals
- FloodSmart.gov home page. FEMA, National Flood Insurance Program (FloodSmart.gov). https://www.floodsmart.gov/ Accessed 6 Nov 2026.
- Buy a Flood Insurance Policy. FEMA, National Flood Insurance Program (FloodSmart.gov). https://www.floodsmart.gov/get-insured/buy-a-policy Accessed 6 Nov 2026.
- Hurricanes. Ready.gov (FEMA). https://www.ready.gov/hurricanes Accessed 6 Nov 2026.
- Safety Guidelines: Reentering Your Flooded Home. U.S. Centers for Disease Control and Prevention. https://www.cdc.gov/floods/safety/reentering-your-flooded-home-safety.html Accessed 6 Nov 2026.
- Section 627.7142, 2026 Florida Statutes. The Florida Senate (Florida Statutes). https://www.flsenate.gov/Laws/Statutes/2026/627.7142 Accessed 6 Nov 2026.
- A Brief Guide to Mold, Moisture and Your Home. U.S. Environmental Protection Agency. https://www.epa.gov/mold/brief-guide-mold-moisture-and-your-home Accessed 6 Nov 2026.
- Section 627.70132, 2026 Florida Statutes. The Florida Senate (Florida Statutes). https://www.flsenate.gov/Laws/Statutes/2026/627.70132 Accessed 6 Nov 2026.
- Section 468.8411, 2026 Florida Statutes. The Florida Senate (Florida Statutes). https://www.flsenate.gov/Laws/Statutes/2026/468.8411 Accessed 6 Nov 2026.
- Mold-Related Services: FAQs. Florida Department of Business and Professional Regulation. https://www2.myfloridalicense.com/mold-related-services/faqs/ Accessed 6 Nov 2026.
- Mold-Related Services. Florida Department of Business and Professional Regulation. https://www2.myfloridalicense.com/mold-related-services/ Accessed 6 Nov 2026.
- Mold removal cost. HomeGuide. https://homeguide.com/costs/mold-removal-cost Accessed 6 Nov 2026.
- Mold Remediation Cost Guide: What to Know + How Much You'll Pay. Bob Vila. https://www.bobvila.com/articles/mold-remediation-cost/ Accessed 6 Nov 2026.
- How Much Does Water Damage Restoration Cost?. HomeAdvisor. https://www.homeadvisor.com/cost/disaster-recovery/repair-water-damage/ Accessed 6 Nov 2026.
- How Much Does Water Damage Restoration Cost?. Bob Vila. https://www.bobvila.com/articles/water-damage-restoration-cost/ Accessed 6 Nov 2026.
- US postal codes. GeoNames (CC BY 4.0). https://download.geonames.org/export/zip/