TownTapestry
Sign inJoin
Key BiscayneGood afternoon
Natural hazards · Key Biscayne

Key Biscayne, FL natural hazards

Most of the natural-hazard damage FEMA expects in Key Biscayne comes from hurricanes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1,027 claims here since 1991. 11 federal disasters brought FEMA money into town.

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

How exposed is Key Biscayne?

41
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Key Biscayne to be higher than in 41% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes52%Inland flooding25%Heat waves7%Coastal flooding6%Cold waves5%Everything else6%
By hazard

What Key Biscayne faces

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

Hurricanes

52% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about once every 4 years in the area

Inland flooding

25% of expected damage
Well below average · higher than 1% of U.S. places
Recorded about 4 times a year in the area

Heat waves

7% of expected damage
Below average · higher than 27% of U.S. places
Recorded about 6 times a year in the area

Coastal flooding

6% of expected damage
Well above average · higher than 97% of U.S. places

Cold waves

5% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about once a year in the area

Lower here

TornadoesHailWildfireEarthquakesStrong 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 Key Biscayne flood?

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

1,027paid claims since 1991
$43.7Mpaid to owners
40homes flooded more than once
19912026

Biggest named events

  • Hurricane Andrew: 656 claims, $24.1M
  • Hurricane Irma: 153 claims, $12.7M
  • Hurricane Katrina: 72 claims, $3.0M

Homes that flooded again and again

■ FEMA “severe repetitive loss” (14) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 10% off flood insurance. Key Biscayne is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Dade County.

What’s been done with FEMA grants

4buildings retrofitted against wind
Disasters that hit Key Biscayne

11 federal disasters brought FEMA money here

Disasters the President declared that paid out in Key Biscayne itself: aid to households, or repair grants to the Village of Key Biscayne.

Brought FEMA money into Key BiscayneDeclared for Dade County only
2024

Hurricane Milton

1 household applied for aid
2022

Hurricane Ian

$9K to the Village of Key Biscayne for repairs
2017

Hurricane Irma

627 households applied for aid $280K aid approved $3.6M to the Village of Key Biscayne for repairs
2005

Hurricane Wilma

90 households applied for aid $45K aid approved $3.3M to the Village of Key Biscayne for repairs
2005

Tropical Storm Rita

$12K to the Village of Key Biscayne for repairs
2005

Hurricane Katrina

$434K to the Village of Key Biscayne for repairs
2004

Hurricane Jeanne

$17K to the Village of Key Biscayne for repairs
2004

Hurricane Frances

4 households applied for aid $3K aid approved $168K to the Village of Key Biscayne for repairs
2000

Severe Storms and Flooding

$32K to the Village of Key Biscayne for repairs
1999

Fl-Hurricane Irene-Dr-Req

$146K to the Village of Key Biscayne for repairs
1999

Hurricane Floyd Emergency Declarations

$12K to the Village of Key Biscayne for repairs
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. Key Biscayne covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Key Biscayne’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Key Biscayne. 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 Key Biscayne total about $1.8M 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.

The door’s open

Where to, neighbor?

You’re in Key Biscayne, FLView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Key Biscayne is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

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