Natural hazards · Indian Creek

Indian Creek, FL natural hazards

Most of the natural-hazard damage FEMA expects in Indian Creek comes from hurricanes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 46 claims here since 1979.

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

Expected damage

How exposed is Indian Creek?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Indian Creek to be higher than in 55% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes53%Inland flooding25%Coastal flooding10%Everything else12%

By hazard

What Indian Creek faces

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

Hurricanes

53% of expected damage

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

Recorded about once every 3 years in the area

Inland flooding

25% of expected damage

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

Recorded about 4 times a year in the area

Coastal flooding

10% 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 Indian Creek flood?

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

46paid claims since 1979

$1.3Mpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Irma: 10 claims, $410K
June South Florida Flooding: 7 claims, $333K
Hurricane Andrew: 4 claims, $33K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Indian Creek 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 Indian Creek

Federal disasters declared here

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

Brought FEMA money into Indian CreekDeclared for Dade County only

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

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. Indian Creek covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Indian Creek’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Village of Indian Creek. 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 Indian Creek total about $1.6M 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.