Property Atlas

County hazard profile

Miami, IN

Indiana · pop. 35,962 · FIPS 18103

Relatively Low
FEMA risk rating · RATING
Strong Wind
dominant hazard
$16M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Miami $16M

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 indexRelatively Low 52.8/100
national median ~50 near the national middle (53rd percentile)
Social vulnerabilityRelatively Moderate 53.44/100
national median ~50 near the national middle (53rd percentile)
Community resilienceRelatively Moderate 54.83/100
national median ~50 near the national middle (55th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Miami

The National Flood Insurance Program has paid 29 flood-insurance claims totaling $196K in Miami since 1982. The costliest year was 2013 ($146K paid).

Flood-insurance dollars paid by year of loss

1982: $1,430 paid 1985: $6,806 paid 1998: $17,893 paid 1999: $2,085 paid 2003: $5,802 paid 2011: $1,672 paid 2012: $0 paid 2013: $146,269 paid 2015: $0 paid 2017: $14,508 paid 2013 · $146K 1982 2017
$196K
total paid
$6,775
average claim
$60K
largest single claim
62%
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, IN and where it ranks among U.S. counties. It is not a verdict on whether Miami 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.