Home insurance in Miami Beach, Florida
Miami Beach is in Miami-Dade County, with about 83,251 residents (Census 2024 estimate). A barrier island where sunny-day tidal flooding is common; the city has invested in raised roads and pumps. For insurance, that means waterfront and storm-surge exposure in parts of the city, with roof age and wind mitigation driving most quotes.
County Miami-Dade CountyPopulation (2024 est.) 83,251Florida rank #36Water exposure coast
Do I need flood insurance in Miami Beach?
FEMA maps show A and, on open coast, V zones near the water in and around Miami Beach. A homeowners policy excludes flood; check your address at the FEMA Flood Map Service Center.
Do building codes affect insurance in Miami Beach?
Miami-Dade County is in the High-Velocity Hurricane Zone (HVHZ) under the Florida Building Code, which requires product approvals for roofs, windows and doors and is also treated as a wind-borne debris region.
Homes built or re-roofed after the statewide Florida Building Code took effect in 2002 tend to document better on a wind mitigation report; older homes may need a 4-point inspection.
How big is Miami Beach?
Miami Beach ranks #36 among Florida cities by population in the Census Bureau's Vintage 2024 estimates, at 83,251 residents, up about 0.4% from the April 2020 estimates base of 82,897.
Shopping for home insurance in Miami Beach? Your request goes only to Nymble Insurance, a licensed Florida agency. We quote every applicant and compare options on matching coverage.
Start a private quote Call (813) 291-3484What should Miami Beach homeowners know about local risk?
A barrier island where sunny-day tidal flooding is common; the city has invested in raised roads and pumps.
Two homes a mile apart here can price very differently because of elevation, construction year and roof documentation.
Which hurricanes have affected Miami Beach?
At the county level: Andrew (1992) made landfall near Homestead as a Category 5; Irma (2017) and Wilma (2005) also caused widespread damage.
Homes near the water should treat flood as a separate decision from wind.
Frequently asked questions
Is FMAP.insure affiliated with FMAP or the City of Miami Beach?
No. FMAP.insure is run by Nymble Insurance LLC, a licensed Florida agency. It is not FMAP, Citizens, or any government. The official FMAP is at fmap.org.
Who will see my information if I request a quote for my Miami Beach home here?
Only Nymble Insurance. We do not sell your request or pass it to other agencies. Carriers we quote with receive the details needed to quote.
Can you quote a Miami Beach home that is with Citizens?
Yes. We quote every applicant, including Citizens policyholders and homeowners with takeout offers, and compare options on matching coverage.
Back to Miami-Dade County home insurance · Nearby: Miami, Hialeah, Miami Gardens, Homestead, Doral, North Miami