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 very low for a U.S. community. Flood insurance has paid 28 claims here since 1979.

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

Expected damage

How exposed is Miami?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Miami to be higher than in 16% of U.S. communities, mostly from inland flooding.

Inland flooding57%Tornadoes13%Cold waves10%Heat waves6%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

57% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

13% of expected damage

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

Cold waves

10% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 2 times a year in the area

Heat waves

6% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 6 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.

28paid claims since 1979

$842Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

March storm: 5 claims, $180K

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: Clermont County.

Disasters that hit Miami

Federal disasters declared here

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

Brought FEMA money into MiamiDeclared for Clermont County only

Clermont County has had 15 natural disasters declared since 1953, most often severe storms and winter storms.

Around Miami

Miami and the towns around it

Very lowLowModerateHighVery high

Camp Dennisonmostly inland floodingHigh

Milfordmostly inland floodingModerate

The Village of Indian Hillmostly inland floodingLow

Lovelandmostly inland floodingLow

Symmesmostly inland floodingLow

Miamivillemostly inland floodingLow

Goshenmostly inland floodingLow

Miamimostly inland floodingVery low

Stonelickmostly inland floodingVery low

Unionmostly 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 covers 10 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 $10.4M 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.