Natural hazards · Cutler Bay

Cutler Bay, FL natural hazards

Most of the natural-hazard damage FEMA expects in Cutler Bay comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 98 claims here since 1992. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cutler Bay?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cutler Bay to be higher than in 67% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding42%Hurricanes42%Everything else16%

By hazard

What Cutler Bay faces

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

Inland flooding

42% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

42% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 4 years 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 Cutler Bay flood?

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

98paid claims since 1992

$2.4Mpaid to owners

38homes flooded more than once

19922026

Biggest named events

Hurricane Katrina: 34 claims, $901K
Hurricane Irma: 28 claims, $664K
Hurricane Andrew: 9 claims, $312K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (4) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 35% off flood insurance. Cutler Bay is in FEMA’s Community Rating System (class 3) for its flood-proofing work.

Insurance rates: Dade County.

What’s been done with FEMA grants

5buildings retrofitted against wind

Disasters that hit Cutler Bay

3 federal disasters brought FEMA money here

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

Brought FEMA money into Cutler BayDeclared for Dade County only

2024

Hurricane Milton

4 households applied for aid

2017

Hurricane Irma

9,935 households applied for aid $3.7M aid approved $793K to the Town of Cutler Bay for repairs

2008

Tropical Storm Fay

$7K to the Town of Cutler Bay for repairs

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

Around Cutler Bay

Cutler Bay and the towns around it

Very lowLowModerateHighVery high

South Miami Heightsmostly inland floodingVery high

Palmetto Baymostly inland floodingHigh

Gouldsmostly inland floodingHigh

Cutler Baymostly 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. Cutler Bay covers 10 census tracts, combined by population.

Money that reached townFlood claims are matched to Cutler Bay’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Cutler Bay. 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 Cutler Bay total about $10.2M 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.