Cutler Bay, FL Flood Zone Map

Miami-Dade County had 410,136 NFIP flood insurance policies written or renewed over the trailing 13 months, with an average annual premium of $612, totaling $250.9M in annual premiums. Because a policy renewed inside that window is counted twice, this runs above the number in force at any one moment.

Policies by Flood Zone

Source: OpenFEMA NFIP Policies API. Reflects policies with an effective date in the trailing 13 months (July 1, 2025 through August 16, 2026) - a 12-month policy term plus a 1-month buffer for OpenFEMA's own reporting lag - as an approximation of currently active policies, not a certified point-in-time count. Policies renewed early in this window may be counted twice, so actual totals may be somewhat lower than shown. See national policies data.

See the full flood insurance cost guide for how premiums vary by zone and risk factor.

Properties in Miami-Dade County have filed 62,027 NFIP flood insurance claims totaling $855.6M in payouts since 1978. The average claim payout is $14K.

Highest-Claim Years

Claims by Flood Zone

Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data.

Only roughly 1 in 3 households in Miami-Dade County carries NFIP flood insurance (38% of estimated households).

Historically, Miami-Dade County has averaged 1 claim for every 7 active policies (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.

Coverage data: NFIP policies as of August 2026, claims since 1978 (August 2026), population from FEMA NRI. All figures are county-wide and include Cutler Bay.

Not sure whether you're required to carry it? See do I need flood insurance?, or compare NFIP vs. private flood insurance.

Miami-Dade County has 2,478 properties with multiple flood insurance losses, including 281 severe repetitive loss properties. 223 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced August 2026.

By Flood Zone

Zone data available for 2,442 of 2,478 properties.

Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced August 2026.

Cutler Bay participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.

CRS classes range from 1 (best) to 10 (no discount). Cutler Bay's Class 3 rating means NFIP policyholders in the SFHA can receive up to a 35% discount on their flood insurance premiums. Properties outside the SFHA may receive a 10% discount.

Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.

Miami-Dade County has been included in 23 federal flood-related disaster declarations.

...and 15 earlier declarations since 1999.

These declarations affected communities across Miami-Dade County, including Cutler Bay.

Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.

NOAA has recorded 169 flood events in Miami-dade County since 1996, causing $306.7M in damage.

Costliest Events

Events by Type

Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.

FEMA has funded mitigation for 38 properties in Miami-Dade County, investing $707K in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).

By Action Type

Source: OpenFEMA Hazard Mitigation Assistance. Data sourced August 2026. FEMA records a total payment per grant rather than per property, so the dollar figure is an estimate that splits each grant across the properties it covers; the property count is exact.

The USACE National Levee Database lists 1 levee system protecting parts of Cutler Bay. A system's FEMA accreditation status determines how its protected area is mapped: accredited levees are typically mapped as Zone X, while non-accredited or provisionally accredited systems generally leave their protected area in the Special Flood Hazard Area (often Zone AR or A99) until certification is complete.

Source: USACE National Levee Database. Data sourced August 2026. Learn how levees affect flood zone mapping.

Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.

Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.