Natural hazards · Sunset

Sunset, FL natural hazards

Most of the natural-hazard damage FEMA expects in Sunset comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 61 claims here since 1979. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Sunset?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sunset to be higher than in 71% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding46%Hurricanes42%Everything else12%

By hazard

What Sunset faces

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

Inland flooding

46% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

42% of expected damage

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

Recorded about once every 4 years in the area

Lower here

Coastal floodingTornadoesHailCold wavesHeat 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 Sunset flood?

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

61paid claims since 1979

$811Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Irene: 15 claims, $157K
Hurricane Irma: 3 claims, $71K
Hurricane Katrina: 3 claims, $149K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Sunset 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 Sunset

1 federal disaster brought FEMA money here

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

Brought FEMA money into SunsetDeclared for Dade County only

2017

Hurricane Irma

8 households applied for aid $2K aid approved

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

Around Sunset

Sunset and the towns around it

Very lowLowModerateHighVery high

Kendallmostly inland floodingHigh

Sunsetmostly inland floodingHigh

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. Sunset covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Sunset’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Sunset. 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 Sunset total about $5.4M 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.