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Natural hazards · Homestead

Homestead, FL natural hazards

Most of the natural-hazard damage FEMA expects in Homestead comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 459 claims here since 1992. 14 federal disasters brought FEMA money into town.

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

How exposed is Homestead?

80
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Homestead to be higher than in 80% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding54%Hurricanes33%Everything else14%
By hazard

What Homestead faces

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

Inland flooding

54% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about 4 times a year in the area

Hurricanes

33% 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 Homestead flood?

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

459paid claims since 1992
$9.7Mpaid to owners
36homes flooded more than once
19922026

Biggest named events

  • Hurricane Katrina: 213 claims, $5.0M
  • Hurricane Irene: 105 claims, $1.6M
  • Hurricane Irma: 17 claims, $629K

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
🏷️ 15% off flood insurance. Homestead is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Dade County.

What’s been done with FEMA grants

25buildings retrofitted against wind
1flood-prone properties bought out and cleared
Disasters that hit Homestead

14 federal disasters brought FEMA money here

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

Brought FEMA money into HomesteadDeclared for Dade County only
2024

Hurricane Milton

45 households applied for aid
2022

Hurricane Ian

5 households applied for aid
2017

Hurricane Irma

42,576 households applied for aid $17.8M aid approved $13.0M to the City of Homestead for repairs
2008

Tropical Storm Fay

$86K to the City of Homestead for repairs
2005

Hurricane Wilma

8,504 households applied for aid $4.4M aid approved $4.9M to the City of Homestead for repairs
2005

Tropical Storm Rita

$69K to the City of Homestead for repairs
2005

Hurricane Katrina

$1.4M to the City of Homestead for repairs
2004

Hurricane Jeanne

$12K to the City of Homestead for repairs
2004

Hurricane Frances

1,370 households applied for aid $3.3M aid approved $170K to the City of Homestead for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

1 household applied for aid $912 aid approved $13K to the City of Homestead for repairs
2003

Severe Storms and Tornadoes

1,121 households applied for aid $1.0M aid approved
2000

Severe Storms and Flooding

$199K to the City of Homestead for repairs
1999

Fl-Hurricane Irene-Dr-Req

$6K to the City of Homestead for repairs
1999

Hurricane Floyd Emergency Declarations

$23K to the City of Homestead for repairs
Dade County has had 35 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Homestead

Homestead and the towns around it

Florida City: High, mostly inland floodingLeisure City: High, mostly inland floodingHomestead Base: Moderate, mostly inland floodingNaranja: High, mostly inland floodingHomestead: Very high, mostly inland flooding HomesteadFlorida CityLeisure CityHomestead Base
Very lowLowModerateHighVery high
Homesteadmostly inland floodingVery high
Florida Citymostly inland floodingHigh
Leisure Citymostly inland floodingHigh
Homestead Basemostly inland floodingModerate
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. Homestead covers 13 census tracts, combined by population.
Money that reached townFlood claims are matched to Homestead’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Homestead. 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 Homestead total about $19.3M 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.

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