Home insurance in North Miami Beach, Florida
North Miami Beach is in Miami-Dade County, with about 45,655 residents (Census 2024 estimate). Despite its name, mostly inland along the Oleta River, with many 1950s-1970s homes. For insurance, that means wind and heavy-rain exposure more than surge, with roof age and wind mitigation driving most quotes.
County Miami-Dade CountyPopulation (2024 est.) 45,655Florida rank #70Water exposure inland
How big is North Miami Beach?
North Miami Beach ranks #70 among Florida cities by population in the Census Bureau's Vintage 2024 estimates, at 45,655 residents, up about 4.5% from the April 2020 estimates base of 43,669.
Which hurricanes have affected North 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.
Even without surge, heavy rain and wind-driven damage are the typical claims.
Do building codes affect insurance in North 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.
Shopping for home insurance in North 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) 291-3484Do I need flood insurance in North Miami Beach?
Most of North Miami Beach is mapped outside high-risk coastal zones, but local A zones and drainage flooding still occur. A homeowners policy excludes flood; check your address at the FEMA Flood Map Service Center.
Why do North Miami Beach home insurance quotes vary?
Despite its name, mostly inland along the Oleta River, with many 1950s-1970s homes.
Carriers look at the specific address: flood zone, construction type, year built and roof permit history.
Frequently asked questions
Is FMAP.insure affiliated with FMAP or the City of North 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 North 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 North 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, Miami Beach