Property Atlas

County hazard profile

Miami-Dade, FL

Florida · pop. 2,698,679 · FIPS 12086

Very High
FEMA risk rating · RATING
Hurricane
dominant hazard
$825M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the highest nationally

national median $15M/yr Miami-Dade $825M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexVery High 99.62/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 75.86/100
national median ~50 higher than 76% of counties
Community resilienceRelatively Moderate 42.91/100
national median ~50 near the national middle (43rd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Miami-Dade

The National Flood Insurance Program has paid 62,015 flood-insurance claims totaling $855.0M in Miami-Dade since 1978. The costliest year was 2000 ($146.8M paid).

Flood-insurance dollars paid by year of loss

1978: $41,147 paid 1979: $415,505 paid 1980: $164,685 paid 1981: $964,007 paid 1982: $320,661 paid 1983: $99,217 paid 1984: $796,204 paid 1985: $368,998 paid 1986: $120,547 paid 1987: $138,070 paid 1988: $39,991 paid 1989: $34,623 paid 1990: $69,730 paid 1991: $3,982,894 paid 1992: $140,546,882 paid 1993: $695,974 paid 1994: $3,533,846 paid 1995: $4,791,108 paid 1996: $135,884 paid 1997: $3,205,916 paid 1998: $1,453,570 paid 1999: $91,543,680 paid 2000: $146,753,592 paid 2001: $1,117,907 paid 2002: $2,021,419 paid 2003: $667,140 paid 2004: $3,261,773 paid 2005: $124,397,049 paid 2006: $1,668,405 paid 2007: $2,828,358 paid 2008: $1,797,815 paid 2009: $26,498,390 paid 2010: $1,697,945 paid 2011: $5,945,448 paid 2012: $8,811,081 paid 2013: $11,931,920 paid 2014: $471,117 paid 2015: $2,604,264 paid 2016: $559,079 paid 2017: $108,733,981 paid 2018: $178,959 paid 2019: $12,775,028 paid 2020: $58,186,552 paid 2021: $346,385 paid 2022: $9,228,704 paid 2023: $13,653,278 paid 2024: $52,837,095 paid 2025: $2,572,442 paid 2026: $34,132 paid 2000 · $146.8M 1978 2026
$855.0M
total paid
$13,788
average claim
$2.1M
largest single claim
90%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Miami-Dade, FL and where it ranks among U.S. counties. It is not a verdict on whether Miami-Dade is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.