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Natural hazards · Miami

Miami, OH 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. Flood insurance has paid 51 claims here since 1978.

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

How exposed is Miami?

49
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 and tornadoes.

Inland flooding58%Tornadoes21%Heat waves9%Cold waves6%Everything else6%
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
Above average · higher than 67% of U.S. places
Recorded about 5 times a year in the area

Tornadoes

21% of expected damage
Well above average · higher than 95% of U.S. places

Heat waves

9% of expected damage
Below average · higher than 43% of U.S. places
Recorded about 6 times a year in the area

Cold waves

6% of expected damage
Well below average · higher than 24% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

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?

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

51paid claims since 1978
$400Kpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • March storm: 6 claims, $91K
  • Central U.S. April Flooding: 3 claims, $16K
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: Hamilton County.
Disasters that hit Miami

Federal disasters declared here

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

Brought FEMA money into MiamiDeclared for Hamilton County only
Hamilton County has had 15 natural disasters declared since 1953, most often severe storms and floods.
Around Miami

Miami and the towns around it

Whitewater: High, mostly inland floodingShawnee: High, mostly inland floodingCincinnati: Low, mostly inland floodingAddyston: Moderate, mostly inland floodingGrandview: High, mostly inland floodingHooven: High, mostly inland floodingNorth Bend: Moderate, mostly inland floodingGreen: Low, mostly inland floodingMack: Low, mostly inland floodingDent: Moderate, mostly inland floodingCleves: Moderate, mostly inland floodingLawrenceburg: Low, mostly inland floodingTaylor Creek: High, mostly inland floodingColerain: Low, mostly inland floodingCrosby: High, mostly inland floodingMiamitown: High, mostly inland floodingBlue Jay: High, mostly inland floodingHarrison: High, mostly inland floodingAnderson: Low, mostly inland floodingDelhi: Very low, mostly inland floodingColumbia: Low, mostly inland floodingSpringfield: Low, mostly inland floodingFinneytown: Low, mostly inland floodingDelhi Hills: Very low, mostly inland floodingMonfort Heights: Very low, mostly inland floodingFairfax: Moderate, mostly inland floodingNorth College Hill: Low, mostly inland floodingMiami Heights: Very low, mostly inland floodingBridgetown: Very low, mostly inland floodingCheviot: Very low, mostly tornadoesCovedale: Low, mostly inland floodingWhite Oak: Low, mostly inland floodingCenter: High, mostly inland floodingLawrenceburg: Low, mostly inland floodingMiller: Low, mostly inland floodingGreendale: Low, mostly inland floodingHidden Valley: Low, mostly inland floodingAurora: High, mostly inland floodingPetersburg: Moderate, mostly inland floodingManchester: Low, mostly inland floodingMiami: Moderate, mostly inland flooding MiamiWhitewaterShawneeCincinnatiAddystonGrandviewHoovenNorth BendGreenMackDentClevesLawrenceburg
Very lowLowModerateHighVery high
Whitewatermostly inland floodingHigh
Shawneemostly inland floodingHigh
Grandviewmostly inland floodingHigh
Hoovenmostly inland floodingHigh
Miamimostly inland floodingModerate
Dentmostly inland floodingModerate
Addystonmostly inland floodingModerate
North Bendmostly inland floodingModerate
Clevesmostly inland floodingModerate
Lawrenceburgmostly inland floodingLow
Greenmostly inland floodingLow
Cincinnatimostly inland floodingLow
Mackmostly inland floodingLow
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 covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Miami’s own flood-insurance community (here, the census tracts inside it); 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.

FEMA’s expected losses across Miami total about $5.4M 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.

The coffee’s on

Where to, neighbor?

You’re in Miami, OHHamilton CountyView boundary

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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