Natural hazards · Miami

Miami, AZ natural hazards

Most of the natural-hazard damage FEMA expects in Miami comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 1980. 1 federal disaster brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Miami?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Miami to be higher than in 78% of U.S. communities, mostly from inland flooding.

Inland flooding81%Wildfire14%Everything else5%

By hazard

What Miami faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

81% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 5 times a year in the area

Wildfire

14% of expected damage

Well above average · higher than 98% of U.S. places

Lower here

HurricanesTornadoesHailWinter weatherHeat wavesEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingIce stormsCold wavesDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Miami flood?

Every paid claim on a federal flood insurance policy in Miami, from FEMA’s records.

5paid claims since 1980

$221Kpaid to owners

0homes flooded more than once

19802026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Miami isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Gila County.

Disasters that hit Miami

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Miami itself: aid to households, or repair grants to the Town of Miami.

Brought FEMA money into MiamiDeclared for Gila County only

2010

Severe Winter Storms and Flooding

$50K to the Town of Miami for repairs

Gila County has had 20 natural disasters declared since 1953, most often fires and floods.

Around Miami

Miami and the towns around it

Very lowLowModerateHighVery high

Miamimostly inland floodingHigh

Claypoolmostly inland floodingHigh

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Miami is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Miami’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Miami. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.