TownTapestry
Sign inJoin
Coral GablesGood evening
Natural hazards · Coral Gables

Coral Gables, FL natural hazards

Most of the natural-hazard damage FEMA expects in Coral Gables comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 797 claims here since 1991. 11 federal disasters brought FEMA money into town.

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

How exposed is Coral Gables?

63
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coral Gables to be higher than in 63% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes50%Inland flooding40%Everything else10%
By hazard

What Coral Gables 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 92% of U.S. places
Recorded about once every 4 years in the area

Inland flooding

40% of expected damage
Below average · higher than 43% of U.S. places
Recorded about 4 times a year in the area

Lower here

Coastal floodingTornadoesHailCold wavesHeat 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 Coral Gables flood?

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

797paid claims since 1991
$34.6Mpaid to owners
47homes flooded more than once
19912026

Biggest named events

  • Hurricane Andrew: 382 claims, $18.8M
  • Hurricane Irma: 201 claims, $10.7M
  • Hurricane Irene: 37 claims, $642K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (9) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 25% off flood insurance. Coral Gables is in FEMA’s Community Rating System (class 5) for its flood-proofing work.
Insurance rates: Dade County.

What’s been done with FEMA grants

32buildings retrofitted against wind
1buildings floodproofed
Disasters that hit Coral Gables

11 federal disasters brought FEMA money here

Disasters the President declared that paid out in Coral Gables itself: aid to households, or repair grants to the City of Coral Gables.

Brought FEMA money into Coral GablesDeclared for Dade County only
2024

Hurricane Milton

4 households applied for aid
2017

Hurricane Irma

5,404 households applied for aid $2.1M aid approved $16.0M to the City of Coral Gables for repairs
2005

Hurricane Wilma

2,121 households applied for aid $971K aid approved $14.2M to the City of Coral Gables for repairs
2005

Tropical Storm Rita

$220K to the City of Coral Gables for repairs
2005

Hurricane Katrina

$10.4M to the City of Coral Gables for repairs
2004

Hurricane Jeanne

$222K to the City of Coral Gables for repairs
2004

Hurricane Frances

31 households applied for aid $26K aid approved $1.1M to the City of Coral Gables for repairs
2003

Severe Storms and Tornadoes

4 households applied for aid $840 aid approved
2000

Severe Storms and Flooding

$92K to the City of Coral Gables for repairs
1999

Fl-Hurricane Irene-Dr-Req

$603K to the City of Coral Gables for repairs
1999

Hurricane Floyd Emergency Declarations

$103K to the City of Coral Gables for repairs
Dade County has had 35 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Coral Gables

Coral Gables and the towns around it

Pinecrest: High, mostly inland floodingMiami: High, mostly hurricanesPalmetto Bay: High, mostly inland floodingKendall: High, mostly inland floodingGlenvar Heights: High, mostly hurricanesSouth Miami: Moderate, mostly hurricanesEl Portal: High, mostly inland floodingWest Little River: High, mostly inland floodingMiami Beach: High, mostly hurricanesGladeview: High, mostly hurricanesFisher Island: Moderate, mostly hurricanesBrownsville: High, mostly hurricanesCutler Bay: High, mostly inland floodingPalmetto Estates: High, mostly hurricanesCoral Gables: High, mostly hurricanes Coral GablesPinecrestMiamiPalmetto Bay
Very lowLowModerateHighVery high
Pinecrestmostly inland floodingHigh
Palmetto Baymostly inland floodingHigh
Coral Gablesmostly hurricanesHigh
Miamimostly 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. Coral Gables covers 16 census tracts, combined by population.
Money that reached townFlood claims are matched to Coral Gables’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Coral Gables. 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 Coral Gables total about $19.1M 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.

The porch light’s on

Where to, neighbor?

You’re in Coral Gables, FLView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Coral Gables is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
Open detailed map