Natural hazards · Miami

Miami, IN natural hazards

Most of the natural-hazard damage FEMA expects in Miami comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Miami?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Miami to be higher than in 52% of U.S. communities, mostly from inland flooding.

Inland flooding55%Tornadoes11%Cold waves11%Strong wind7%Drought6%Everything else11%

By hazard

What Miami 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

Above average · higher than 70% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

11% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 18 years in the area

Cold waves

11% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 4 times a year in the area

Strong wind

7% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 5 times a year in the area

Drought

6% of expected damage

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Miami flood?

FEMA's records show no paid flood insurance claims in Miami.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Miami County.

Disasters that hit Miami

1 federal disaster brought FEMA money here

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

Brought FEMA money into MiamiDeclared for Miami County only

2003

Severe Storms, Tornadoes, and Flooding

5 households applied for aid $5K aid approved

Miami County has had 13 natural disasters declared since 1953, most often severe storms and winter storms.

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. Miami is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Miami’s own flood-insurance community; household aid to the registrant’s city; repair grants to Miami. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.