Natural hazards · Miami

Miami, TX natural hazards

Most of the natural-hazard damage FEMA expects in Miami comes from drought, and overall the risk is very high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Miami?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Miami to be higher than in 87% of U.S. communities, mostly from drought.

Drought71%Wildfire11%Everything else19%

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.

Drought

71% of expected damage

Recorded about 86 times a year in the area

Wildfire

11% of expected damage

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

Lower here

Inland floodingHurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

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.

What’s been done with FEMA grants

3storm safe rooms built

Disasters that hit Miami

1 federal disaster 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 Roberts County only

2005

Extreme Wildfire Threat

3 households applied for aid $11K aid approved

Roberts County has had 9 natural disasters declared since 1953, most often fires and hurricanes.

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.