Natural hazards · Golden Beach

Golden Beach, FL natural hazards

Most of the natural-hazard damage FEMA expects in Golden Beach comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 50 claims here since 1991. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Golden Beach?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Golden Beach to be higher than in 70% of U.S. communities, mostly from hurricanes and coastal flooding.

Hurricanes44%Coastal flooding29%Inland flooding19%Everything else8%

By hazard

What Golden Beach faces

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

Hurricanes

44% of expected damage

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

Recorded about once every 3 years in the area

Coastal flooding

29% of expected damage

Well above average · among the top 1% of U.S. places

Inland flooding

19% of expected damage

Well below average · higher than 4% of U.S. places

Recorded about 4 times a year in the area

Lower here

TornadoesHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsWinter weatherDroughtAvalanchesTsunamisVolcanic 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 Golden Beach flood?

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

50paid claims since 1991

$1.6Mpaid to owners

8homes flooded more than once

19912026

Biggest named events

Hurricane Irma: 10 claims, $547K
Hurricane Irene: 6 claims, $30K
Hurricane Andrew: 5 claims, $53K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Golden Beach 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 Golden Beach

6 federal disasters brought FEMA money here

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

Brought FEMA money into Golden BeachDeclared for Dade County only

2024

Hurricane Milton

$91K to the Town of Golden Beach for repairs

2017

Hurricane Irma

40 households applied for aid $20K aid approved $619K to the Town of Golden Beach for repairs

2005

Hurricane Wilma

32 households applied for aid $10K aid approved $142K to the Town of Golden Beach for repairs

2005

Hurricane Katrina

$33K to the Town of Golden Beach for repairs

2004

Hurricane Jeanne

$6K to the Town of Golden Beach for repairs

2004

Hurricane Frances

$26K to the Town of Golden Beach for repairs

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

Around Golden Beach

Golden Beach and the towns around it

Very lowLowModerateHighVery high

Golden Beachmostly hurricanesHigh

Aventuramostly 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. Golden Beach covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Golden Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Golden Beach. 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 Golden Beach total about $1.5M 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.