Natural hazards · Palmetto Estates

Palmetto Estates, FL natural hazards

Most of the natural-hazard damage FEMA expects in Palmetto Estates comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 15 claims here since 1999. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Palmetto Estates?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Palmetto Estates to be higher than in 66% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes44%Inland flooding37%Heat waves7%Cold waves5%Everything else7%

By hazard

What Palmetto Estates faces

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

Hurricanes

44% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

37% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 4 times a year in the area

Heat waves

7% of expected damage

Below average · higher than 28% of U.S. places

Recorded about 6 times a year in the area

Cold waves

5% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailWildfireEarthquakesLandslidesStrong 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 Palmetto Estates flood?

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

15paid claims since 1999

$482Kpaid to owners

0homes flooded more than once

19992026

Biggest named events

Hurricane Katrina: 9 claims, $362K
Hurricane Irene: 6 claims, $120K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Palmetto Estates isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Dade County.

Disasters that hit Palmetto Estates

1 federal disaster brought FEMA money here

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

Brought FEMA money into Palmetto EstatesDeclared for Dade County only

2017

Hurricane Irma

5 households applied for aid $2K aid approved

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

Around Palmetto Estates

Palmetto Estates and the towns around it

Very lowLowModerateHighVery high

Palmetto Baymostly inland floodingHigh

Palmetto Estatesmostly hurricanesHigh

West Perrinemostly 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. Palmetto Estates covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Palmetto Estates’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Palmetto Estates. 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 Palmetto Estates total about $2.4M 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.