Natural hazards · Miami

Miami, MO 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. 2 federal disasters 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 49% of U.S. communities, mostly from inland flooding.

Inland flooding72%Drought10%Cold waves6%Tornadoes5%Everything else8%

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

72% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 5 times a year in the area

Drought

10% of expected damage

Recorded about 17 times a year in the area

Cold waves

6% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

5% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 7 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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: Saline County.

Disasters that hit Miami

2 federal disasters brought FEMA money here

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

Brought FEMA money into MiamiDeclared for Saline County only

2019

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $1K aid approved

2011

Severe Winter Storm and Snowstorm

$2K to the City of Miami for repairs

Saline County has had 22 natural disasters declared since 1953, most often severe storms and floods.

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 City 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.