Miami-Dade County, FL climate risk
FEMA rates coastal flooding, riverine flooding and hurricane risk as Very High in Miami-Dade County, FL. Modeled losses from natural hazards (expected annual loss) average about $825 million a year, for a population of 2,698,679. These county figures come from the FEMA National Risk Index, December 2025 release. Observation windows vary by metric and sit beside the tables below.
- Modeled expected annual loss
- $824.7 million / year
- US loss rank
- #15 of 3,232
- State loss rank
- #1 of 67
- Loss per resident
- $306 · state $409 · US $459
- FEMA overall risk rating
- Very High
Florida county modeled loss
- Positive estimates to $14.2 million
- Above $14.2 million to $26.3 million
- Above $26.3 million to $112.1 million
- Above $112.1 million to $199.3 million
- Above $199.3 million to $824.7 million
- No FEMA estimate
Miami-Dade County, FL ranks #1 of 67 in the state for modeled expected annual loss; the outline locates it.
View chart data
Is Miami-Dade County at risk of flooding?
FEMA labels riverine flooding Very High and coastal flooding Very High. Modeled annual riverine flood loss is $355,791,326; coastal flood loss is $22,785,674. These are separate hazards and county totals. A rating describes relative county risk. It does not locate water at a building or establish a flood zone. Read missing statuses using the source documentation. Keep both source labels when comparing counties. Read the county rating versus flood-zone guide before requesting a location check.
What natural hazards affect Miami-Dade County most?
Show tabular data
| County | Modeled expected annual loss (USD/year) | Overall risk rating |
|---|---|---|
| Miami-Dade County, FL | 824,686,737.26 | Very High |
Show tabular data
| Hazard | Source label | Observation window |
|---|---|---|
| Coastal flooding | Very High | 1996-2023 |
| Riverine flooding | Very High | 1996-2023 |
| Hurricane | Very High | 1851-2024 |
| Wildfire | Relatively Moderate | 1996-2023 |
| Earthquake | Relatively Low | 1996-2023 |
| Tornado | Relatively High | 1950-2023 |
| Heat wave | Relatively High | 2005-2024 |
How have heat and rain changed in Miami-Dade County?
Hot days
Hot days round to 0.0 in both decades; hollow marks confirm the zero state.
View chart data
| Place | Days / year |
|---|---|
| 1991–2000 | 0.00 |
| 2016–2025 | 0.00 |
Warm nights
Warm nights increased between the two decades.
View chart data
| Place | Days / year |
|---|---|
| 1991–2000 | 202.50 |
| 2016–2025 | 231.20 |
Heavy-precipitation days
Heavy-precipitation days increased between the two decades.
View chart data
| Place | Days / year |
|---|---|
| 1991–2000 | 1.20 |
| 2016–2025 | 1.30 |
Humid-heat days
Humid-heat days increased between the two decades.
View chart data
| Place | Days / year |
|---|---|
| 1991–2000 | 0.00 |
| 2016–2025 | 2.10 |
| Measure | 1991–2000 | 2016–2025 | Change |
|---|---|---|---|
| Hot days · ≥35°C (95°F) | 0.0 | 0.0 | 0.0 |
| Humid-heat days · heat index ≥103°F (39.4°C) | 0.0 | 2.1 | +2.1 |
| Warm nights · ≥24°C (75.2°F) | 202.5 | 231.2 | +28.7 |
| Heavy-rain days · ≥50 mm (≈2 in) | 1.2 | 1.3 | +0.1 |
| Annual maximum daily precipitation · mm | 73.2 | 84.4 | +11.2 |
Counts are days per year; a grid-cell zero does not mean the county had no such events. Thresholds, time bases and limits: county climate method.
Methodology & sensor cross-check notes
Hot-day cross-check: NOAA’s county-average daily maximum temperature gives 2.2 → 5.7 hot days a year (+3.5); NASA gives 0.0 → 0.0 (0.0). The series disagree: NASA shows no change, while NOAA shows an increase. The footprints differ, so agreement does not validate either count. Warm nights and precipitation were not cross-checked. Humid-heat row: Copernicus (ECMWF) reanalysis. It uses a different regional grid from the NASA measures.
No statistical significance, cause or future trend is established; this does not change the FEMA ratings above.
Climate data: NASA · Population context: US Census Bureau · Hot-day cross-check: NOAA county climate records · Humid heat: Copernicus (ECMWF). Method, sources and limitations · Climate JSON · Data credits.
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direction"}}How does El Niño affect Miami-Dade County winters?
Strong El Niño winter precipitation
8 of 9 strong El Niño winters were wetter than normal. The vertical line marks 100% of normal precipitation.
View chart data
| Winter | Precipitation (% of normal) |
|---|---|
| 1957–58 | 178.329 |
| 1965–66 | 124.909 |
| 1972–73 | 129.545 |
| 1982–83 | 273.197 |
| 1991–92 | 74.903 |
| 1997–98 | 231.987 |
| 2009–10 | 155.638 |
| 2015–16 | 278.282 |
| 2023–24 | 139.795 |
NOAA and IRI both give 100% odds that El Niño conditions (tropical Pacific ONI of at least 0.5°C, not a local weather forecast) are present this winter. In Miami-Dade County, 8 of 9 past strong El Niño winters were wetter than normal; the median winter had 156% of normal precipitation (rain and melted snow). The driest, 1991–92, had 75%.
| Winter | ONI | Precipitation | Temp. | Heavy days | Claims |
|---|---|---|---|---|---|
| 1957–58 | 1.7 | 178% | −4.4°F | 3 | — |
| 1965–66 | 1.6 | 125% | −0.1°F | 1 | — |
| 1972–73 | 1.8 | 130% | +0.3°F | 1 | — |
| 1982–83 | 2.1 | 273% | +0.2°F | 5 | 49 (#9) |
| 1991–92 | 1.5 | 75% | +0.5°F | 0 | 11 (#31) |
| 1997–98 | 2.4 | 232% | +0.4°F | 3 | 259 (#2) |
| 2009–10 | 1.5 | 156% | −4.2°F | 3 | 368 (#1) |
| 2015–16 | 2.6 | 278% | +1.1°F | 7 | 93 (#6) |
| 2023–24 | 2.0 | 140% | −0.8°F | 2 | 13 (#23) |
Winter normals and temperature baseline
Miami-Dade County normals, 1990–91 to 2019–20 winters: 6.0 inches of precipitation (rain and melted snow) and 1.2 heavy days. Temperature is set against the county’s own winter trend of +0.6°F per decade since 1951–52.
Flood claims: December–February, from 1978 (— = before the data). The rank compares each winter with all 47 winters from 1978–79 to 2024–25 (#1 is the most claims; no rank is shown for 0 claims). The median winter had 13 claims; 4 of 6 strong winters in the data were above it. Insured exposure grew over time, so counts are not comparable across decades.
Past tendency is not a forecast and not a property-level finding. Before winter: four checks for property teams.
Sources: NOAA county climate records and Pacific climate assessments; FEMA National Flood Insurance Program claims. Method and limits · El Niño 2026–27.
What are the modeled losses by hazard?
From 1991–2000 to 2016–2025, hot days near Miami-Dade County changed from 0.0 to 0.0 per year. Heavy-rain days changed from 1.2 to 1.3. The table retains humid heat, warm nights and maximum daily rain. Compare the periods alongside the source notes. These decade means describe past conditions; they do not predict a future year or establish a trend.
Miami-Dade County’s modeled loss across all hazards is $824,686,737 per year. The FEMA National Risk Index ranks the hazards below by modeled loss, not rating category.
Show tabular data
| Hazard | Total loss ($/yr) | Of which buildings ($/yr) | Observation window |
|---|---|---|---|
| All hazards (composite) | $824,686,737 | $592,154,139 | 1996-2023 |
| Riverine flooding | $355,791,326 | $268,717,820 | 1996-2023 |
| Hurricane | $330,598,603 | $289,479,224 | 1851-2024 |
| Heat wave | $31,138,115 | Not published | 2005-2024 |
| Tornado | $24,811,662 | $7,619,633 | 1950-2023 |
| Coastal flooding | $22,785,674 | $18,240,801 | 1996-2023 |
| Wildfire | $5,195,709 | $4,572,325 | 1996-2023 |
| Earthquake | $384,767 | $235,649 | 1996-2023 |
These modeled county totals do not estimate property losses, insurance inputs or forecasts. Do not multiply them by location counts.
Reuse this chart

What is exposed in Miami-Dade County?
Population and asset values show the scale behind county losses. These county totals are exposure measures, not loss figures.
Show tabular data
| Measure | Value | Observation window |
|---|---|---|
| Resident population | 2,698,679 | 2020-2020 |
| Building replacement value | $358,740,883,789 | 2020-2020 |
| Agricultural market value | $1,078,631,965 | 2022-2022 |
What do vulnerability and resilience show?
These relative rankings describe susceptibility to hazard impacts and capacity to recover. They measure no individual asset or outcome.
Show tabular data
| Measure | Score | Observation window |
|---|---|---|
| Social vulnerability index | 75.9 | 2020-2020 |
| Community resilience index | 42.9 | 2020-2020 |
Miami-Dade County in the state and national rankings
Miami-Dade County has about $824.7 million in modeled expected annual loss, ranking #15 of 3,232 nationally. Its share of Florida modeled loss is 9.4%, with a state rank of #1 of 67. FEMA’s about $824.7 million figure describes a long-run average; actual annual loss can differ. The next higher national total is about $853.4 million, in San Francisco County, CA. Clark County, NV ranks immediately below it, with about $812.6 million in modeled annual loss. Within the state list, Broward County, FL has the next lower estimate: about $648.0 million. That puts the estimates about $176.7 million apart, with 7.4% of state loss in the comparison county.
County hazard loss mix
Riverine Flood leads the modeled expected annual loss mix; bar lengths share a zero baseline.
View chart data
| Hazard | USD / year | Share |
|---|---|---|
| Riverine Flood | 355,791,326.20 | 43.1% |
| Hurricane | 330,598,602.61 | 40.1% |
| Cold Wave | 41,032,720.36 | 5.0% |
| Heat Wave | 31,138,114.55 | 3.8% |
| Tornado | 24,811,661.62 | 3.0% |
| Coastal Flood | 22,785,673.97 | 2.8% |
| Other | 18,528,637.95 | 2.2% |
National hazard loss ranks
Riverine Flood ranks #15 of 3,232 by modeled expected annual loss. Higher percentiles mean larger modeled losses.
View chart data
| Hazard | Rank | Percentile |
|---|---|---|
| Riverine Flood | #15 of 3,232 US · #1 of 67 in FL | 99.57 |
| Hurricane | #2 of 2,485 US · #1 of 67 in FL | 99.96 |
| Cold Wave | #27 of 3,232 US · #3 of 67 in FL | 99.20 |
| Heat Wave | #28 of 3,202 US · #1 of 67 in FL | 99.16 |
| Tornado | #66 of 3,225 US · #6 of 67 in FL | 97.98 |
| Coastal Flood | #8 of 588 US · #2 of 59 in FL | 98.81 |
Modeled loss per resident
Miami-Dade has about $306 in modeled expected annual loss per resident. State and US values divide total loss by total population.
View chart data
| Place | USD / resident / year |
|---|---|
| Miami-Dade | 305.59 |
| Florida | 408.52 |
| US | 459.35 |
Miami-Dade County hazard estimates
Riverine Flood
For riverine flooding, about $355.8 million in expected annual loss puts the county #15 of 3,232 across the US. In Florida, this estimate ranks #1 of 67 and represents 43.1% of the county’s modeled loss; FEMA assigns a Very High rating; the Very High label covers 2 state counties and 26 nationally for riverine flooding.
Hurricane
FEMA models about $330.6 million in expected annual loss from hurricanes, placing the county #2 of 2,485 nationally. At 40.1% of the county’s modeled loss, the hazard places #1 of 67 statewide; FEMA assigns a Very High rating; the Very High label covers 21 state counties and 47 nationally for hurricanes.
Cold Wave
FEMA models about $41.0 million in expected annual loss from cold waves, placing the county #27 of 3,232 nationally. In Florida, this estimate ranks #3 of 67 and represents 5.0% of the county’s modeled loss; FEMA assigns a Very High rating; the same rating for cold waves covers 5 Florida counties and 39 across the US.
Heat Wave
The national loss rank for heat waves is #28 of 3,202, based on about $31.1 million in modeled expected annual loss. Its 3.8% share of total loss comes with a state loss rank of #1 of 67; FEMA assigns a Relatively High rating; for heat waves, 5 state counties and 98 US counties share that label.
Tornado
For tornadoes, about $24.8 million in expected annual loss puts the county #66 of 3,225 across the US. At 3.0% of the county’s modeled loss, the hazard places #6 of 67 statewide; FEMA assigns a Relatively High rating, matching 272 US counties, including 20 in Florida, for this hazard.
Coastal Flood
The national loss rank for coastal flooding is #8 of 588, based on about $22.8 million in modeled expected annual loss. At 2.8% of the county’s modeled loss, the hazard places #2 of 59 statewide; FEMA assigns a Very High rating; the Very High label covers 7 state counties and 29 nationally for coastal flooding.
For riverine flooding, modeled loss is about $25.2 million above hurricanes, leaving 3.1 percentage points between their county shares. About $289.6 million separates hurricanes from cold waves in the local estimates, equivalent to 35.1 percentage points of county loss. For cold waves, modeled loss is about $9.9 million above heat waves, leaving 1.2 percentage points between their county shares. Between heat waves and tornadoes, the modeled dollar gap is about $6.3 million; their shares differ by 0.8 percentage points. About $2.0 million separates tornadoes from coastal flooding in the local estimates, equivalent to 0.2 percentage points of county loss.
Population and recorded values
FEMA counts 2,698,679 residents in Miami-Dade County, across about 2,413 square miles. About $358.74 billion is the building value amount in FEMA’s record. The recorded agricultural value is about $1.08 billion. Per resident, the modeled annual amount is about $306; the Florida average is about $409. Its 12.5% share of state residents sits alongside 9.4% of of annual loss. Buildings account for 9.8% of recorded Florida building value. The county holds density position 4 of 67 in Florida, using FEMA’s recorded population and area. The population-to-area ratio is about 1,118 residents per square mile; statewide it is about 298. At 2,698,679 residents, the county compares with the Florida county median of about 129,698. The county’s national shares are 0.8% for population and 0.5% for modeled loss. Using the national population gives about $459 in modeled annual loss per person, versus about $306 here. About $806.2 million of annual loss falls within the six leading hazards, accounting for 97.8% of the total. Other hazards account for the remaining 2.2% of modeled loss, about $18.5 million. The county’s number 7 hazard by dollar loss is lightning: about $8.3 million, with a state rank of #4 of 67. This 1.0% slice of county loss ranks #8 of 3,222 across US counties. In position 8 locally, wildfires has about $5.2 million in modeled annual loss, ranking #5 of 67 statewide. Nationally, this estimate places #110 of 3,144; its share of the county’s modeled loss is 0.6%.
FEMA labels and risk score
Miami-Dade County has a FEMA risk index score of about 99.6, ranking #13 of 3,144 nationally. For risk index, FEMA assigns Very High; 1 county in Florida has that label. Among 67 Florida counties, 16 receive the same Relatively High label for expected annual loss. FEMA labels social vulnerability as Relatively High, matching 18 county records across Florida. For community resilience, FEMA assigns Relatively Moderate; 17 counties in Florida have that label. Within Florida, the risk score places #1 of 67 and the dollar loss places #1 of 67. Within Florida, 6 counties share both labels: Relatively High vulnerability and Relatively Moderate resilience. Those counties together hold 16.1% of Florida modeled loss, including this county’s 58.4% share of their total. With a score of about 99.5, Broward County, FL ranks #2 of 67 statewide, immediately below this county. FEMA gives that county a Relatively High risk index label, alongside 7.4% of the state loss total. Across the US, this social vulnerability category, Relatively High, covers 15.4% of residents in 630 counties. Across the US, this community resilience category, Relatively Moderate, covers 17.0% of residents in 629 counties. The local Very High hazard group contains 5 entries: coastal flooding, cold waves, hurricanes, lightning, riverine flooding. Across the county’s hazard ratings, 3 carry Relatively High: hail, heat waves, tornadoes. The local Relatively Moderate hazard group contains 3 entries: drought, strong wind, wildfires. FEMA assigns Relatively Low to 1 hazard here, covering earthquakes. The county’s Very Low group contains 1 hazard: landslides.
What else should I know about Miami-Dade County?
What does FEMA estimate for cold waves in Miami-Dade County?
Miami-Dade County has about $41.0 million in modeled expected annual loss from cold waves, with a Very High rating.
What does FEMA estimate for wildfires in Miami-Dade County?
Miami-Dade County has about $5.2 million in modeled expected annual loss from wildfires, with a Relatively Moderate rating.
What share of state loss belongs to Miami-Dade County?
Miami-Dade County accounts for 9.4% of Florida modeled expected annual loss.
Which strong El Niño winter had the most flood claims in Miami-Dade County?
Miami-Dade County recorded 368 December–February NFIP claims in 2009–10, ranked #1 among 47 winters.
Where does Miami-Dade County rank within Florida?
Miami-Dade County ranks #1 of 67 for modeled expected annual loss.
What does FEMA estimate for coastal flooding in Miami-Dade County?
For coastal flooding, FEMA lists Miami-Dade County at Very High, with about $22.8 million in modeled expected annual loss.
Which hazard has the largest modeled loss in Miami-Dade County?
Riverine flooding leads Miami-Dade County, at about $355.8 million in modeled expected annual loss.
Nearby county profiles in Florida
Where next for Miami-Dade County?
See how the county compares across the state in Florida natural hazard risk by county, download the FEMA county hazard data, or review the county climate risk data API and bulk files. Check the sources and what each measure can show on the methodology page.