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Water Damage & Mold Remediation in Miami Gardens, FL
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Call (000) 000-0000Updated November 6, 2026. Local figures from FEMA and NOAA data, with sources below.
Miami Gardens water and flood risk by the numbers
| Flood insurance claims filed since 1991 | 395[1] |
|---|---|
| Total paid on those claims (nominal dollars) | $2.6 million[1] |
| Claims filed since 2015 | 280[1] |
| Average payout per paid claim | $18,187[1] |
| Share of claims from outside FEMA high-risk flood zones | 4.4%[1] |
| Miami-Dade County homes in a FEMA high-risk flood zone | 40.5% (199,250 of 492,181)[2] |
| Miami-Dade County homes with NFIP flood insurance | 33.4%[2] |
| Federal major disaster declarations covering Miami-Dade County since 2000 | 11[3] |
| Average annual rainfall (Miami International Airport) | 67.4 inches[4] |
| Days per year with 0.1 inch or more of rain | 90[4] |
Want the full statewide table? See Florida flood claims by city.
What the data says for Miami Gardens homeowners
The average paid flood claim in Miami Gardens is $18,187, about 30% of the statewide average of $61,615[1]. 71% of Miami Gardens's claims were filed in 2015 or later, versus 44.9% statewide.
Flood claims history
FEMA records show 395 National Flood Insurance Program claims filed in Miami Gardens since 1991, with $2.6 million paid out[1]. The events behind the most claims were Hurricane Irma and Hurricane Eta. 71% of those claims were filed in 2015 or later.
Flood zones
Most Miami Gardens flood claims come from mapped high-risk zones: only 4.4% of claims with a recorded zone were outside them[1]. If your home is in an A or V zone, check that your flood policy is current before storm season.
Flood insurance gap
Only 33.4% of homes in Miami-Dade County carry NFIP flood insurance[2]. Inside the high-risk flood zone, 74.5% are insured[2]. Uninsured flood damage is paid out of pocket, which makes fast drying to limit the damage even more important.
Rain and humidity
Miami Gardens averages 67 inches of rain a year, with 0.1 inch or more of rain on about 90 days and 27 inches falling in June through August alone[4]. Warm, wet conditions like these are why wet drywall, carpet pad and cabinets need to be dried quickly after any leak.
Disaster history
Miami-Dade County has been included in 11 federal major disaster declarations since 2000[3], including Hurricane Milton (2024), Hurricane Nicole (2022), Hurricane Ian (2022), Hurricane Irma (2017).
What to do right now
- Stay away from wet electrical equipment; if reaching the breaker means walking through water, call an electrician[7][8].
- Stop the source, then photograph everything and keep receipts[9].
- Start drying within 24 to 48 hours[10]. Full step-by-step guide.
Ready to talk to a provider? Call (000) 000-0000
Miami Gardens flood claims in detail
Where in Miami Gardens the claims are
ZIP code 33056 has the most flood insurance claims in Miami Gardens's FEMA records: 174 claims and $1.3 million paid[1].
| ZIP code | Claims | Paid |
|---|---|---|
| 33056 | 174 | $1.3 million |
| 33055 | 113 | $445,272 |
| 33169 | 89 | $592,583 |
The storms behind Miami Gardens's flood claims
| Event (FEMA label) | Claims | Paid |
|---|---|---|
| Hurricane Irma | 121 | $926,466 |
| Hurricane Eta | 55 | $725,865 |
| Hurricane Irene | 25 | $37,889 |
| June South Florida Flooding | 14 | $334,976 |
| Hurricane Wilma | 12 | $1,137 |
| Hurricane Isaac | 4 | $2,827 |
Hurricane Irma produced the most claims in Miami Gardens[1]. 151 claims (38%) are not linked to a named storm or designated flood event in FEMA's records, a reminder that heavy rain and high tides cause flood damage too.
Worst years
The years with the most Miami Gardens flood claims were 2017: 134 claims ($934,524); 2020: 69 claims ($738,444); 1999: 27 claims ($37,889); 2024: 20 claims ($334,976)[1].
Flood zone mix
Of 343 Miami Gardens claims with a recorded flood zone: 96% in zone A (high risk), 4% in zone X/B/C (moderate to low risk)[1].
Miami Gardens compared with nearby cities
| City | Claims (all years) | Since 2015 | Avg paid claim | Outside high-risk zone |
|---|---|---|---|---|
| Miami Gardens | 395 | 280 | $18,187 | 4.4% |
| Hollywood | 4,132 | 1,330 | $24,994 | 9.6% |
| Miramar | 1,790 | 198 | $5,645 | 44.7% |
| Pembroke Pines | 1,738 | 217 | $8,228 | 76.4% |
| North Miami Beach | 489 | 93 | $17,482 | 15.3% |
| Hialeah | 2,953 | 291 | $14,651 | 8.1% |
Source: FEMA NFIP claims[1].
Florida rules in brief
- Report a new claim within 1 year of the date of loss[11]. Most homeowners insurance does not cover flood[5]. Florida water damage claims explained.
- Mold remediation over 10 square feet requires a Florida license, issued to individuals; verify it with DBPR[12][13][14]. How mold remediation works.
- Costs: national guides put typical mold remediation at about $1,100 to $6,000 and water damage restoration at about $1,300 to $6,400[15][16][17][18]. Mold cost ยท Water damage cost.
Areas served
Calls from Miami Gardens are connected with independent providers serving Miami-Dade County. ZIP codes include: 33055, 33056, 33169[19].
Nearby: Hollywood, Miramar, Pembroke Pines, North Miami Beach, Hialeah, Davie.
Miami Gardens water damage and mold questions
How many flood insurance claims have been filed in Miami Gardens?
395 since 1991, 280 of them since 2015, with $2.6 million paid in nominal dollars[1]. The average paid flood claim in Miami Gardens is $18,187, about 30% of the statewide average of $61,615[1]. 71% of Miami Gardens's claims were filed in 2015 or later, versus 44.9% statewide.
Which Miami Gardens ZIP code has the most flood claims?
33056, with 174 claims and $1.3 million paid, followed by 33055 with 113 claims[1].
Which storm caused the most flood claims in Miami Gardens?
Hurricane Irma, with 121 claims in FEMA's records[1]. It was also the costliest, at $926,466 paid.
Can a Miami Gardens home flood outside a flood zone?
Yes. 40.5% of Miami-Dade County homes are in a FEMA high-risk flood zone[2], but 4.4% of Miami Gardens claims with a recorded zone came from outside high-risk areas[1]. Most homeowners insurance does not cover flood[5], and new NFIP policies usually have a 30-day wait[6].
How much rain does Miami Gardens get?
About 67 inches a year at Miami International Airport, with 27 inches in June through August and about 90 days with 0.1 inch or more[4].
Sources
Every figure on this page links to its source. Statutes are from the 2026 Florida Statutes. FEMA and NOAA figures were downloaded on 6 November 2026.
- FIMA NFIP Redacted Claims dataset, Florida records (analysis by RestoreNow USA). FEMA OpenFEMA. https://www.fema.gov/openfema-data-page/fima-nfip-redacted-claims-v2 Downloaded 6 Nov 2026. Dollar amounts are nominal (not adjusted for inflation).
- NFIP Residential Penetration Rates. FEMA OpenFEMA. https://www.fema.gov/openfema-data-page/nfip-residential-penetration-rates-v1 Data as of 2026-08-03.
- Disaster Declarations Summaries. FEMA OpenFEMA. https://www.fema.gov/openfema-data-page/disaster-declarations-summaries-v2
- U.S. Climate Normals 1991-2020, annual and seasonal. NOAA National Centers for Environmental Information. https://www.ncei.noaa.gov/products/land-based-station/us-climate-normals
- FloodSmart.gov home page. FEMA, National Flood Insurance Program (FloodSmart.gov). https://www.floodsmart.gov/ Accessed 6 Nov 2026.
- Buy a Flood Insurance Policy. FEMA, National Flood Insurance Program (FloodSmart.gov). https://www.floodsmart.gov/get-insured/buy-a-policy Accessed 6 Nov 2026.
- Hurricanes. Ready.gov (FEMA). https://www.ready.gov/hurricanes Accessed 6 Nov 2026.
- Safety Guidelines: Reentering Your Flooded Home. U.S. Centers for Disease Control and Prevention. https://www.cdc.gov/floods/safety/reentering-your-flooded-home-safety.html Accessed 6 Nov 2026.
- Section 627.7142, 2026 Florida Statutes. The Florida Senate (Florida Statutes). https://www.flsenate.gov/Laws/Statutes/2026/627.7142 Accessed 6 Nov 2026.
- A Brief Guide to Mold, Moisture and Your Home. U.S. Environmental Protection Agency. https://www.epa.gov/mold/brief-guide-mold-moisture-and-your-home Accessed 6 Nov 2026.
- Section 627.70132, 2026 Florida Statutes. The Florida Senate (Florida Statutes). https://www.flsenate.gov/Laws/Statutes/2026/627.70132 Accessed 6 Nov 2026.
- Section 468.8411, 2026 Florida Statutes. The Florida Senate (Florida Statutes). https://www.flsenate.gov/Laws/Statutes/2026/468.8411 Accessed 6 Nov 2026.
- Mold-Related Services: FAQs. Florida Department of Business and Professional Regulation. https://www2.myfloridalicense.com/mold-related-services/faqs/ Accessed 6 Nov 2026.
- Mold-Related Services. Florida Department of Business and Professional Regulation. https://www2.myfloridalicense.com/mold-related-services/ Accessed 6 Nov 2026.
- Mold removal cost. HomeGuide. https://homeguide.com/costs/mold-removal-cost Accessed 6 Nov 2026.
- Mold Remediation Cost Guide: What to Know + How Much You'll Pay. Bob Vila. https://www.bobvila.com/articles/mold-remediation-cost/ Accessed 6 Nov 2026.
- How Much Does Water Damage Restoration Cost?. HomeAdvisor. https://www.homeadvisor.com/cost/disaster-recovery/repair-water-damage/ Accessed 6 Nov 2026.
- How Much Does Water Damage Restoration Cost?. Bob Vila. https://www.bobvila.com/articles/water-damage-restoration-cost/ Accessed 6 Nov 2026.
- US postal codes. GeoNames (CC BY 4.0). https://download.geonames.org/export/zip/