Natural hazards · Fisher Island

Fisher Island, FL natural hazards

Most of the natural-hazard damage FEMA expects in Fisher Island comes from hurricanes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 54 claims here since 1984.

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

Expected damage

How exposed is Fisher Island?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fisher Island to be higher than in 42% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes58%Inland flooding18%Coastal flooding13%Everything else11%

By hazard

What Fisher Island faces

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

Hurricanes

58% of expected damage

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

Recorded about once every 4 years in the area

Inland flooding

18% of expected damage

Well below average · higher than 1% of U.S. places

Recorded about 4 times a year in the area

Coastal flooding

13% of expected damage

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

Lower here

TornadoesHailCold wavesHeat wavesWildfireEarthquakesStrong windLightning

Not a risk here

Ice stormsWinter weatherLandslidesDroughtAvalanchesTsunamisVolcanic 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 Fisher Island flood?

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

54paid claims since 1984

$1.7Mpaid to owners

0homes flooded more than once

19842026

Biggest named events

Hurricane Andrew: 8 claims, $129K
Hurricane Irene: 6 claims, $91K
Hurricane Katrina: 3 claims, $21K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Fisher Island 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 Fisher Island

Federal disasters declared here

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

Brought FEMA money into Fisher IslandDeclared for Dade County only

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

Around Fisher Island

Fisher Island and the towns around it

Very lowLowModerateHighVery high

Miami Beachmostly hurricanesHigh

Miamimostly hurricanesHigh

Fisher Islandmostly hurricanesModerate

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. Fisher Island covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Fisher Island’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Fisher Island. 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 Fisher Island total about $1.4M 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.