Natural hazards · Miramar Beach

Miramar Beach, FL natural hazards

Most of the natural-hazard damage FEMA expects in Miramar Beach comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 71 claims here since 1995. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Miramar Beach?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Miramar Beach to be higher than in 83% of U.S. communities, mostly from hurricanes.

Hurricanes80%Inland flooding12%Everything else9%

By hazard

What Miramar Beach faces

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

Hurricanes

80% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

12% of expected damage

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

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Miramar Beach flood?

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

71paid claims since 1995

$4.2Mpaid to owners

0homes flooded more than once

19952026

Biggest named events

Mid-spring storms: 28 claims, $2.7M
Hurricane Sally: 13 claims, $769K
Hurricane Ivan: 9 claims, $266K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Miramar 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: Walton County.

Disasters that hit Miramar Beach

5 federal disasters brought FEMA money here

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

Brought FEMA money into Miramar BeachDeclared for Walton County only

2020

Hurricane Sally

45 households applied for aid $4K aid approved

2018

Hurricane Michael

1 household applied for aid

2014

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

77 households applied for aid $90K aid approved

2005

Hurricane Dennis

65 households applied for aid $27K aid approved

2004

Hurricane Ivan

162 households applied for aid $134K aid approved

Walton County has had 34 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. Miramar Beach covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Miramar Beach’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Miramar 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 Miramar Beach total about $9.0M 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.