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Natural hazards · North Miami Beach

North Miami Beach, FL natural hazards

Most of the natural-hazard damage FEMA expects in North Miami Beach comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 228 claims here since 1992. 13 federal disasters brought FEMA money into town.

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

How exposed is North Miami Beach?

65
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Miami Beach to be higher than in 65% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes46%Inland flooding33%Heat waves5%Coastal flooding5%Everything else11%
By hazard

What North Miami Beach faces

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

Hurricanes

46% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about once every 3 years in the area

Inland flooding

33% of expected damage
Below average · higher than 33% of U.S. places
Recorded about 4 times a year in the area

Heat waves

5% of expected damage
Below average · higher than 27% of U.S. places
Recorded about 6 times a year in the area

Coastal flooding

5% of expected damage
Well above average · higher than 97% of U.S. places

Lower here

TornadoesHailCold 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 North Miami Beach flood?

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

228paid claims since 1992
$4.0Mpaid to owners
19homes flooded more than once
19922026

Biggest named events

  • Hurricane Irene: 26 claims, $132K
  • June South Florida Flooding: 16 claims, $1.0M
  • Hurricane Irma: 9 claims, $59K

Homes that flooded again and again

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

of homes in flood zones
are insured
of all homes
are insured
🏷️ 15% off flood insurance. North Miami Beach 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

14buildings retrofitted against wind
2storm safe rooms built
Disasters that hit North Miami Beach

13 federal disasters brought FEMA money here

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

Brought FEMA money into North Miami BeachDeclared for Dade County only
2024

Hurricane Milton

9 households applied for aid
2022

Hurricane Ian

1 household applied for aid $1K aid approved
2017

Hurricane Irma

9,806 households applied for aid $4.0M aid approved $4.0M to the City of North Miami Beach for repairs
2008

Tropical Storm Fay

$45K to the City of North Miami Beach for repairs
2005

Hurricane Wilma

4,305 households applied for aid $1.9M aid approved $3.3M to the City of North Miami Beach for repairs
2005

Tropical Storm Rita

$22K to the City of North Miami Beach for repairs
2005

Hurricane Katrina

$546K to the City of North Miami Beach for repairs
2004

Hurricane Jeanne

$12K to the City of North Miami Beach for repairs
2004

Hurricane Frances

336 households applied for aid $354K aid approved $514K to the City of North Miami Beach for repairs
2003

Severe Storms and Tornadoes

52 households applied for aid $21K aid approved
2000

Severe Storms and Flooding

$1.1M to the City of North Miami Beach for repairs
1999

Fl-Hurricane Irene-Dr-Req

$106K to the City of North Miami Beach for repairs
1999

Hurricane Floyd Emergency Declarations

$25K to the City of North Miami Beach for repairs
Dade County has had 35 natural disasters declared since 1953, most often hurricanes and severe storms.
Around North Miami Beach

North Miami Beach and the towns around it

North Miami: High, mostly hurricanesOjus: High, mostly hurricanesBiscayne Gardens: High, mostly hurricanesAventura: Moderate, mostly hurricanesSunny Isles Beach: Moderate, mostly hurricanesMiami Gardens: High, mostly hurricanesWestview: High, mostly hurricanesBiscayne Park: High, mostly hurricanesIves Estates: High, mostly hurricanesHallandale Beach: Moderate, mostly hurricanesOpa-locka: High, mostly hurricanesGolden Beach: High, mostly hurricanesMiramar: High, mostly hurricanesWest Park: High, mostly hurricanesNorth Miami Beach: High, mostly hurricanes North Miami BeachNorth MiamiOjusBiscayne GardensAventuraSunny Isles BeachMiami Gardens
Very lowLowModerateHighVery high
Miami Gardensmostly hurricanesHigh
Ojusmostly hurricanesHigh
North Miami Beachmostly hurricanesHigh
North Miamimostly hurricanesHigh
Biscayne Gardensmostly hurricanesHigh
Sunny Isles Beachmostly hurricanesModerate
Aventuramostly hurricanesModerate
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. North Miami Beach covers 8 census tracts, combined by population.
Money that reached townFlood claims are matched to North Miami Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of North Miami 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 North Miami Beach total about $7.1M 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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