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.

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 55% of U.S. communities, mostly from inland flooding.

Inland flooding58%Cold waves12%Tornadoes8%Strong wind8%Everything else14%

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

58% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once every 2 years in the area

Cold waves

12% of expected damage

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

Recorded about 4 times a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 28 years in the area

Strong wind

8% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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: Cass County.

Disasters that hit Miami

Federal disasters declared here

None of the disasters declared for Cass County shows FEMA aid or repair money reaching Miami itself in FEMA’s records.

Brought FEMA money into MiamiDeclared for Cass County only

Cass County has had 14 natural disasters declared since 1953, most often winter storms and severe storms.

Around Miami

Miami and the towns around it

Very lowLowModerateHighVery high

Perumostly inland floodingVery high

Eelmostly inland floodingHigh

Miamimostly inland floodingModerate

Tiptonmostly inland floodingModerate

Washingtonmostly inland floodingLow

Adamsmostly inland floodingVery low

Claymostly inland floodingVery low

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 the Township of 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.