Property Atlas

County hazard profile

Miami, OH

Ohio · pop. 108,774 · FIPS 39109

Relatively Low
FEMA risk rating · RATING
Earthquake
dominant hazard
$29M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Miami $29M

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 61.39/100
national median ~50 near the national middle (61st percentile)
Social vulnerabilityVery Low 12.75/100
national median ~50 among the lowest nationally
Community resilienceVery High 88.52/100
national median ~50 higher than 89% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Miami

The National Flood Insurance Program has paid 149 flood-insurance claims totaling $2.2M in Miami since 1978. The costliest year was 2014 ($927K paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1980: $2,865 paid 1981: $3,508 paid 1982: $3,137 paid 1983: $0 paid 1990: $4,322 paid 1991: $0 paid 1995: $187,602 paid 1996: $0 paid 1997: $0 paid 1999: $50,430 paid 2002: $0 paid 2003: $197,492 paid 2004: $0 paid 2005: $135,291 paid 2006: $12,243 paid 2007: $12,262 paid 2008: $79,782 paid 2010: $0 paid 2012: $27,117 paid 2013: $414,925 paid 2014: $926,838 paid 2015: $3,345 paid 2017: $62,632 paid 2018: $21,874 paid 2019: $2,267 paid 2025: $10,139 paid 2026: $0 paid 2014 · $927K 1978 2026
$2.2M
total paid
$14,484
average claim
$111K
largest single claim
55%
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, OH 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.