Natural hazards · North Miami

North Miami, OK natural hazards

Most of the natural-hazard damage FEMA expects in North Miami comes from inland flooding, and overall the risk is high 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 North Miami?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Miami to be higher than in 72% of U.S. communities, mostly from inland flooding.

Inland flooding38%Ice storms12%Drought12%Tornadoes11%Heat waves9%Strong wind9%Everything else10%

By hazard

What North Miami faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

38% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 4 times a year in the area

Ice storms

12% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once a year in the area

Drought

12% of expected damage

Recorded about 17 times a year in the area

Tornadoes

11% of expected damage

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

Recorded about once every 94 years in the area

Heat waves

9% of expected damage

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

Recorded about 19 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailWinter weatherCold 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 North Miami flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. North 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: Ottawa County.

What’s been done with FEMA grants

2storm safe rooms built

Disasters that hit North Miami

2 federal disasters brought FEMA money here

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

Brought FEMA money into North MiamiDeclared for Ottawa County only

2019

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

1 household applied for aid $575 aid approved

2007

Severe Storms, Flooding, and Tornadoes

1 household applied for aid $9K aid approved

Ottawa County has had 26 natural disasters declared since 1953, most often severe storms and ice 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. North 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 North Miami’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of North 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.