Natural hazards · Biscayne Gardens

Biscayne Gardens, FL natural hazards

Most of the natural-hazard damage FEMA expects in Biscayne Gardens comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 386 claims here since 1980.

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

Expected damage

How exposed is Biscayne Gardens?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Biscayne Gardens to be higher than in 61% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes50%Inland flooding32%Heat waves5%Everything else13%

By hazard

What Biscayne Gardens faces

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

Hurricanes

50% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 3 years in the area

Inland flooding

32% of expected damage

Below average · higher than 27% of U.S. places

Recorded about 4 times a year in the area

Heat waves

5% of expected damage

Below average · higher than 27% of U.S. places

Recorded about 6 times a year in the area

Lower here

Coastal floodingTornadoesHailCold wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Ice stormsWinter weatherAvalanchesTsunamisVolcanic 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 Biscayne Gardens flood?

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

386paid claims since 1980

$11.1Mpaid to owners

0homes flooded more than once

19802026

Biggest named events

June South Florida Flooding: 105 claims, $8.0M
Hurricane Irene: 31 claims, $144K
Hurricane Irma: 20 claims, $232K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Dade County.

Disasters that hit Biscayne Gardens

Federal disasters declared here

None of the disasters declared for Dade County shows FEMA aid or repair money reaching Biscayne Gardens itself in FEMA’s records.

Brought FEMA money into Biscayne GardensDeclared for Dade County only

Dade County has had 35 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Biscayne Gardens

Biscayne Gardens and the towns around it

Very lowLowModerateHighVery high

Miami Gardensmostly hurricanesHigh

North Miami Beachmostly hurricanesHigh

Biscayne Gardensmostly hurricanesHigh

North Miamimostly hurricanesHigh

Opa-lockamostly hurricanesHigh

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. Biscayne Gardens covers 8 census tracts, combined by population.

Money that reached townFlood claims are matched to Biscayne Gardens’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Biscayne Gardens. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Biscayne Gardens total about $6.7M a year, counting buildings, people and crops.

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.