Natural hazards · Miami Lakes

Miami Lakes, FL natural hazards

Most of the natural-hazard damage FEMA expects in Miami Lakes comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 79 claims here since 1999. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Miami Lakes?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Miami Lakes to be higher than in 62% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes52%Inland flooding37%Everything else11%

By hazard

What Miami Lakes 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 93% of U.S. places

Recorded about once every 3 years in the area

Inland flooding

37% of expected damage

Below average · higher than 34% of U.S. places

Recorded about 4 times a year in the area

Lower here

Coastal floodingTornadoesHailCold 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 Miami Lakes flood?

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

79paid claims since 1999

$1.3Mpaid to owners

5homes flooded more than once

19992026

Biggest named events

Hurricane Eta: 41 claims, $696K
Hurricane Irma: 11 claims, $157K
Hurricane Irene: 7 claims, $40K

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

🏷️ 20% off flood insurance. Miami Lakes is in FEMA’s Community Rating System (class 6) for its flood-proofing work.

Insurance rates: Dade County.

What’s been done with FEMA grants

6buildings retrofitted against wind

Disasters that hit Miami Lakes

7 federal disasters brought FEMA money here

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

Brought FEMA money into Miami LakesDeclared for Dade County only

2024

Hurricane Milton

6 households applied for aid

2017

Hurricane Irma

3,555 households applied for aid $865K aid approved $4.1M to the Town of Miami Lakes for repairs

2008

Tropical Storm Fay

$15K to the Town of Miami Lakes for repairs

2005

Hurricane Wilma

841 households applied for aid $264K aid approved $5.5M to the Town of Miami Lakes for repairs

2005

Hurricane Katrina

$486K to the Town of Miami Lakes for repairs

2004

Hurricane Jeanne

$5K to the Town of Miami Lakes for repairs

2004

Hurricane Frances

5 households applied for aid $7K aid approved $142K to the Town of Miami Lakes for repairs

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

Around Miami Lakes

Miami Lakes and the towns around it

Very lowLowModerateHighVery high

Palm Springs Northmostly inland floodingHigh

Hialeahmostly hurricanesHigh

Country Clubmostly inland floodingHigh

Miami Lakesmostly hurricanesHigh

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. Miami Lakes covers 6 census tracts, combined by population.

Money that reached townFlood claims are matched to Miami Lakes’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Miami Lakes. 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 Miami Lakes total about $9.8M 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.