Natural hazards · The Hammocks

The Hammocks, FL natural hazards

Most of the natural-hazard damage FEMA expects in The Hammocks comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 555 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 The Hammocks?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in The Hammocks to be higher than in 82% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding58%Hurricanes29%Cold waves6%Everything else8%

By hazard

What The Hammocks faces

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

Inland flooding

58% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

29% of expected damage

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

Recorded about once every 3 years in the area

Cold waves

6% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailHeat 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 The Hammocks flood?

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

555paid claims since 1981

$4.3Mpaid to owners

0homes flooded more than once

19812026

Biggest named events

Hurricane Irene: 269 claims, $1.6M
Hurricane Katrina: 86 claims, $1.0M
Hurricane Irma: 17 claims, $318K

of homes in flood zones
are insured

of all homes
are insured

No community discount. The Hammocks 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 The Hammocks

1 federal disaster brought FEMA money here

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

Brought FEMA money into The HammocksDeclared for Dade County only

2017

Hurricane Irma

17 households applied for aid $3K aid approved

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

Around The Hammocks

The Hammocks and the towns around it

Very lowLowModerateHighVery high

The Crossingsmostly inland floodingVery high

The Hammocksmostly inland floodingVery high

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. The Hammocks covers 15 census tracts, combined by population.

Money that reached townFlood claims are matched to The Hammocks’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to The Hammocks. 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 The Hammocks total about $21.2M 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.