Home insurance in North Miami, Florida
North Miami is in Miami-Dade County, with about 62,202 residents (Census 2024 estimate). Fronts Biscayne Bay, with many 1950s-1960s homes. 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.) 62,202Florida rank #51Water exposure coast
What flood zones are in North Miami?
FEMA maps show A and, on open coast, V zones near the water in and around North Miami. A homeowners policy excludes flood; check your address at the FEMA Flood Map Service Center.
What makes insuring a home in North Miami different?
Fronts Biscayne Bay, with many 1950s-1960s homes.
Carriers look at the specific address: flood zone, construction type, year built and roof permit history.
Has North Miami been hit by hurricanes?
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.
Shopping for home insurance in North Miami? 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) 291-3484Is North Miami growing?
North Miami ranks #51 among Florida cities by population in the Census Bureau's Vintage 2024 estimates, at 62,202 residents, up about 3.4% from the April 2020 estimates base of 60,182.
Do building codes affect insurance in North Miami?
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.
Frequently asked questions
Is FMAP.insure affiliated with FMAP or the City of North Miami?
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 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 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