Home Insurance in Sunny Isles Beach, Florida
The median home value in Sunny Isles Beach is $549,100, 19% higher than the Miami-Dade County median.
The typical home in Sunny Isles Beach was built around 1983. About 3% of homes were built before 1960, about 18 points below Miami-Dade County's 21%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Sunny Isles Beach breaks down to 3% single-family homes and 96% apartments in buildings with 5+ units.
33% of owner-occupied homes in Sunny Isles Beach carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 48%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Sunny Isles Beach are owner-occupied.
Most homes in Sunny Isles Beach - 84% - are primarily heated with electricity.
Miami-Dade County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. Miami-Dade County had 355,123 active NFIP flood policies as of September 2026. See the full Miami-Dade County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Florida carries a statewide average premium of $2,779 per year.
Key figures
| Median home value | $549,100 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Miami-Dade County | 355,123 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Nearby towns
- Aventura
- Golden Beach
- North Miami Beach
- Bal Harbour
- Hallandale Beach
- Bay Harbor Islands
- North Miami
- Surfside
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)