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Natural hazards · North Miami

North Miami, FL natural hazards

Most of the natural-hazard damage FEMA expects in North Miami comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 767 claims here since 1988. 12 federal disasters brought FEMA money into town.

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

How exposed is North Miami?

61
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Miami to be higher than in 61% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes49%Inland flooding29%Heat waves6%Everything else17%
By hazard

What North Miami faces

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

Hurricanes

49% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about once every 3 years in the area

Inland flooding

29% of expected damage
Well below average · higher than 24% of U.S. places
Recorded about 4 times a year in the area

Heat waves

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

Lower here

Coastal floodingTornadoesHailCold wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Ice stormsWinter weatherAvalanchesTsunamisVolcanic 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 flood?

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

767paid claims since 1988
$19.7Mpaid to owners
67homes flooded more than once
19882026

Biggest named events

  • Hurricane Irene: 77 claims, $544K
  • Hurricane Irma: 60 claims, $3.4M
  • June South Florida Flooding: 53 claims, $3.5M

Homes that flooded again and again

Each house = 2 homes. ■ FEMA “severe repetitive loss” (15) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 20% off flood insurance. North Miami 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

13buildings retrofitted against wind
2buildings floodproofed
2flood-prone properties bought out and cleared
Disasters that hit North Miami

12 federal disasters brought FEMA money here

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

Brought FEMA money into North MiamiDeclared for Dade County only
2024

Hurricane Milton

4 households applied for aid $1K aid approved $28K to the City of North Miami for repairs
2017

Hurricane Irma

12,204 households applied for aid $5.0M aid approved $4.6M to the City of North Miami for repairs
2008

Tropical Storm Fay

$34K to the City of North Miami for repairs
2005

Hurricane Wilma

5,975 households applied for aid $2.7M aid approved $6.4M to the City of North Miami for repairs
2005

Tropical Storm Rita

$89K to the City of North Miami for repairs
2005

Hurricane Katrina

$685K to the City of North Miami for repairs
2004

Hurricane Jeanne

$52K to the City of North Miami for repairs
2004

Hurricane Frances

751 households applied for aid $935K aid approved $229K to the City of North Miami for repairs
2003

Severe Storms and Tornadoes

116 households applied for aid $68K aid approved
2000

Severe Storms and Flooding

$5.3M to the City of North Miami for repairs
1999

Fl-Hurricane Irene-Dr-Req

$240K to the City of North Miami for repairs
1999

Hurricane Floyd Emergency Declarations

$42K to the City of North Miami for repairs
Dade County has had 35 natural disasters declared since 1953, most often hurricanes and severe storms.
Around North Miami

North Miami and the towns around it

Biscayne Gardens: High, mostly hurricanesNorth Miami Beach: High, mostly hurricanesSunny Isles Beach: Moderate, mostly hurricanesWestview: High, mostly hurricanesBiscayne Park: High, mostly hurricanesOpa-locka: High, mostly hurricanesMiami Gardens: High, mostly hurricanesOjus: High, mostly hurricanesAventura: Moderate, mostly hurricanesWest Little River: High, mostly inland floodingHialeah: High, mostly hurricanesPinewood: High, mostly hurricanesNorth Miami: High, mostly hurricanes North MiamiBiscayne GardensNorth Miami BeachSunny Isles BeachWestviewBiscayne Park
Very lowLowModerateHighVery high
Westviewmostly hurricanesHigh
North Miami Beachmostly hurricanesHigh
Biscayne Parkmostly hurricanesHigh
North Miamimostly hurricanesHigh
Biscayne Gardensmostly hurricanesHigh
Sunny Isles Beachmostly 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 covers 16 census tracts, combined by population.
Money that reached townFlood claims are matched to North Miami’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of North Miami. 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 total about $13.7M 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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