Natural hazards · Tamiami

Tamiami, FL natural hazards

Most of the natural-hazard damage FEMA expects in Tamiami comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 1,405 claims here since 1981. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Tamiami?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tamiami to be higher than in 80% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding55%Hurricanes32%Everything else13%

By hazard

What Tamiami faces

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

Inland flooding

55% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

32% 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 Tamiami flood?

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

1,405paid claims since 1981

$17.0Mpaid to owners

0homes flooded more than once

19812026

Biggest named events

Hurricane Irene: 740 claims, $7.9M
Hurricane Katrina: 57 claims, $857K
Hurricane Irma: 20 claims, $780K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Tamiami 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 Tamiami

1 federal disaster brought FEMA money here

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

Brought FEMA money into TamiamiDeclared for Dade County only

2017

Hurricane Irma

18 households applied for aid $2K aid approved

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

Around Tamiami

Tamiami and the towns around it

Very lowLowModerateHighVery high

Kendale Lakesmostly inland floodingVery high

Tamiamimostly inland floodingVery high

Sweetwatermostly 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. Tamiami covers 13 census tracts, combined by population.

Money that reached townFlood claims are matched to Tamiami’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Tamiami. 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 Tamiami total about $16.8M 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.