Miami-Dade County Flood Insurance Premiums to Drop 35%


In a welcome turn of events for property owners in Miami-Dade County, flood insurance premiums are set to plummet following the county’s upgrade from a Class 5 to a Class 3 in the National Flood Insurance Program’s Community Rating System (CRS). This significant development, announced by FEMA officials, translates into a substantial 35 percent reduction in flood insurance costs for residents in unincorporated areas of the county. The move not only brings financial relief but also showcases Miami-Dade’s commitment to resilience and proactive climate adaptation.

The Financial Impact:

The CRS upgrade comes at a crucial time as federal emergency managers prepare to release new flood zone maps. These updated maps are expected to increase the number of property owners requiring flood insurance. The 35 percent reduction in premiums, estimated to put $12 million back into the pockets of the insured annually, serves as a valuable financial buffer against potential rising costs associated with the new flood zone maps. This positive shift is particularly noteworthy amid the backdrop of more frequent and severe hurricanes and storms.

FEMA Administrator’s Appreciation:

FEMA Administrator Deanne Criswell expressed gratitude for the efforts made by communities like Miami-Dade County in the face of escalating climate threats. Acknowledging the county’s investments in critical infrastructure, Criswell emphasized the importance of such measures as a means of safeguarding residents from the challenges posed by a changing climate.

Mayoral Endorsement:

Miami-Dade Mayor Daniella Levine Cava hailed the rate reduction as a significant step in resilience for the county. According to Mayor Levine Cava, the improved CRS ranking positions Miami-Dade as the largest community to achieve a Class 3 status, placing it among the top two percent nationwide. This accomplishment not only reflects the county’s commitment to protecting its residents but also sets a benchmark for communities across the country grappling with the evolving challenges of climate change.

Decade-Long Efforts:

Miami-Dade’s journey towards enhanced flood mitigation spans a decade and involves a robust investment of over $1 billion in stormwater infrastructure. The county’s proactive stance includes expedited upgrades to infrastructure and comprehensive flood mitigation activities. FEMA’s associate resilience administrator, Victoria Salinas, commended Miami-Dade for its forward-looking approach, emphasizing the importance of communities adopting a similar foresight in preparing for future conditions. Salinas noted that the county’s efforts go beyond reacting to past disasters and demonstrate a commitment to anticipating and addressing the challenges of tomorrow.

Looking Ahead:

As part of its ongoing commitment to resilience, Miami-Dade County is finalizing a new floodplain management plan, expected to be available later this month. This forward-looking initiative, coupled with the expected release of updated flood maps, positions Miami-Dade as a leader in addressing the evolving challenges of climate change. The county’s proactive measures not only lead to immediate insurance savings but also provide a valuable benchmark for other communities navigating the complexities of climate-related risks.


Miami-Dade County’s achievement in reducing flood insurance premiums is a testament to its decade-long efforts in building resilience. The upgraded CRS ranking, coupled with proactive investments in infrastructure and flood mitigation, positions the county as a national leader in addressing the challenges posed by a changing climate. As communities nationwide grapple with the impacts of climate change, Miami-Dade stands as a beacon of resilience, offering a roadmap for others to follow in safeguarding their residents and ensuring a sustainable future.

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