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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

Okaloosa County, FL: 16.31% of Miami-Dade lossGlades County, FL: 1.07% of Miami-Dade lossDeSoto County, FL: 3.19% of Miami-Dade lossDixie County, FL: 1.14% of Miami-Dade lossMartin County, FL: 14.47% of Miami-Dade lossHardee County, FL: 3.08% of Miami-Dade lossBay County, FL: 19.15% of Miami-Dade lossFlagler County, FL: 5.05% of Miami-Dade lossOrange County, FL: 50.65% of Miami-Dade lossWalton County, FL: 8.30% of Miami-Dade lossPasco County, FL: 24.17% of Miami-Dade lossSt. Lucie County, FL: 23.45% of Miami-Dade lossWashington County, FL: 2.24% of Miami-Dade lossSumter County, FL: 5.60% of Miami-Dade lossPalm Beach County, FL: 62.88% of Miami-Dade lossAlachua County, FL: 10.87% of Miami-Dade lossLafayette County, FL: 0.68% of Miami-Dade lossOkeechobee County, FL: 3.22% of Miami-Dade lossHernando County, FL: 7.29% of Miami-Dade lossCharlotte County, FL: 15.92% of Miami-Dade lossLee County, FL: 52.54% of Miami-Dade lossLake County, FL: 12.40% of Miami-Dade lossSuwannee County, FL: 2.97% of Miami-Dade lossLevy County, FL: 1.85% of Miami-Dade lossNassau County, FL: 2.97% of Miami-Dade lossMadison County, FL: 1.30% of Miami-Dade lossColumbia County, FL: 2.66% of Miami-Dade lossCalhoun County, FL: 1.29% of Miami-Dade lossCitrus County, FL: 13.59% of Miami-Dade lossFranklin County, FL: 1.35% of Miami-Dade lossGadsden County, FL: 2.34% of Miami-Dade lossGulf County, FL: 2.10% of Miami-Dade lossJefferson County, FL: 0.88% of Miami-Dade lossPinellas County, FL: 36.79% of Miami-Dade lossClay County, FL: 6.93% of Miami-Dade lossSanta Rosa County, FL: 12.28% of Miami-Dade lossSeminole County, FL: 15.67% of Miami-Dade lossVolusia County, FL: 23.73% of Miami-Dade lossMonroe County, FL: 11.31% of Miami-Dade lossSt. Johns County, FL: 11.76% of Miami-Dade lossOsceola County, FL: 14.26% of Miami-Dade lossSarasota County, FL: 33.11% of Miami-Dade lossGilchrist County, FL: 0.83% of Miami-Dade lossHendry County, FL: 2.72% of Miami-Dade lossHighlands County, FL: 5.66% of Miami-Dade lossIndian River County, FL: 19.78% of Miami-Dade lossManatee County, FL: 30.88% of Miami-Dade lossUnion County, FL: 0.60% of Miami-Dade lossDuval County, FL: 32.00% of Miami-Dade lossWakulla County, FL: 2.30% of Miami-Dade lossJackson County, FL: 3.07% of Miami-Dade lossLeon County, FL: 17.30% of Miami-Dade lossEscambia County, FL: 21.06% of Miami-Dade lossMiami-Dade County, FL: $824.7 millionBradford County, FL: 1.31% of Miami-Dade lossTaylor County, FL: 1.96% of Miami-Dade lossBroward County, FL: 78.57% of Miami-Dade lossPolk County, FL: 25.78% of Miami-Dade lossBrevard County, FL: 47.21% of Miami-Dade lossHamilton County, FL: 1.04% of Miami-Dade lossCollier County, FL: 48.29% of Miami-Dade lossBaker County, FL: 0.76% of Miami-Dade lossLiberty County, FL: 0.58% of Miami-Dade lossHolmes County, FL: 1.72% of Miami-Dade lossPutnam County, FL: 3.56% of Miami-Dade lossMarion County, FL: 15.57% of Miami-Dade lossHillsborough County, FL: 59.97% of Miami-Dade lossMiami-Dade County, FL: detailed page available
  • 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
CountyModeled expected annual loss (USD/year)Overall risk rating
Miami-Dade County, FL824,686,737.26Very High
Fixed snapshot: FEMA National Risk Index (December 2025 release). Each metric retains its label, unit and observation window; source release and observation periods are documented separately.
Show tabular data
Hazard ratings · original FEMA source labels
HazardSource labelObservation window
Coastal floodingVery High1996-2023
Riverine floodingVery High1996-2023
HurricaneVery High1851-2024
WildfireRelatively Moderate1996-2023
EarthquakeRelatively Low1996-2023
TornadoRelatively High1950-2023
Heat waveRelatively High2005-2024
HISTORICAL CLIMATE / REGIONAL CONTEXT

How have heat and rain changed in Miami-Dade County?

Hot days

Days / year1991–20000.00 days per year1991–2000: 0.00 Days / year2016–20250.00 days per year2016–2025: 0.00 Days / year05.0

Hot days round to 0.0 in both decades; hollow marks confirm the zero state.

View chart data
PlaceDays / year
1991–20000.00
2016–20250.00

Warm nights

Days / year1991–2000202.51991–2000: 202.50 Days / year2016–2025231.22016–2025: 231.20 Days / year0231.2

Warm nights increased between the two decades.

View chart data
PlaceDays / year
1991–2000202.50
2016–2025231.20

Heavy-precipitation days

Days / year1991–20001.21991–2000: 1.20 Days / year2016–20251.32016–2025: 1.30 Days / year05.0

Heavy-precipitation days increased between the two decades.

View chart data
PlaceDays / year
1991–20001.20
2016–20251.30

Humid-heat days

Days / year1991–20000.00 days per year1991–2000: 0.00 Days / year2016–20252.12016–2025: 2.10 Days / year05.0

Humid-heat days increased between the two decades.

View chart data
PlaceDays / year
1991–20000.00
2016–20252.10
NASA satellite-and-model climate data are sampled near the US Census Bureau’s 2020 county center of population. This is regional context, not a county average or a property finding.
Miami-Dade County · FIPS 12086 · annual decade means · NASA; humid heat: Copernicus (ECMWF)
Measure1991–20002016–2025Change
Hot days · ≥35°C (95°F)0.00.00.0
Humid-heat days · heat index ≥103°F (39.4°C)0.02.1+2.1
Warm nights · ≥24°C (75.2°F)202.5231.2+28.7
Heavy-rain days · ≥50 mm (≈2 in)1.21.3+0.1
Annual maximum daily precipitation · mm73.284.4+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.

EL NIÑO HISTORY / WINTER PRECIPITATION AND TEMPERATURE

How does El Niño affect Miami-Dade County winters?

Strong El Niño winter precipitation

1957–581957–58: 178.3% of normal precipitation1965–661965–66: 124.9% of normal precipitation1972–731972–73: 129.5% of normal precipitation1982–831982–83: 273.2% of normal precipitation1991–921991–92: 74.9% of normal precipitation1997–981997–98: 232.0% of normal precipitation2009–102009–10: 155.6% of normal precipitation2015–162015–16: 278.3% of normal precipitation2023–242023–24: 139.8% of normal precipitation100% (Normal)0%292%

8 of 9 strong El Niño winters were wetter than normal. The vertical line marks 100% of normal precipitation.

View chart data
WinterPrecipitation (% of normal)
1957–58178.329
1965–66124.909
1972–73129.545
1982–83273.197
1991–9274.903
1997–98231.987
2009–10155.638
2015–16278.282
2023–24139.795

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%.

Miami-Dade County · Dec–Feb, strong El Niño winters · ONI peak °C · precipitation % of normal · temperature vs county trend · days with 1 inch or more of precipitation · flood claims filed (rank among 47 winters)
WinterONIPrecipitationTemp.Heavy daysClaims
1957–581.7178%−4.4°F3—
1965–661.6125%−0.1°F1—
1972–731.8130%+0.3°F1—
1982–832.1273%+0.2°F549 (#9)
1991–921.575%+0.5°F011 (#31)
1997–982.4232%+0.4°F3259 (#2)
2009–101.5156%−4.2°F3368 (#1)
2015–162.6278%+1.1°F793 (#6)
2023–242.0140%−0.8°F213 (#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
Modeled Expected Annual Loss, ranked by total loss · county totals
HazardTotal loss ($/yr)Of which buildings ($/yr)Observation window
All hazards (composite)$824,686,737$592,154,1391996-2023
Riverine flooding$355,791,326$268,717,8201996-2023
Hurricane$330,598,603$289,479,2241851-2024
Heat wave$31,138,115Not published2005-2024
Tornado$24,811,662$7,619,6331950-2023
Coastal flooding$22,785,674$18,240,8011996-2023
Wildfire$5,195,709$4,572,3251996-2023
Earthquake$384,767$235,6491996-2023

These modeled county totals do not estimate property losses, insurance inputs or forecasts. Do not multiply them by location counts.

Reuse this chart

Chart of Miami-Dade County, FL modeled yearly loss by hazard: riverine flooding leads at $355.8M a year. Shows FEMA expected annual loss in dollars for 7 hazards.
Source: FEMA National Risk Index, December 2025 release. Modeled expected annual loss. Reuse this chart (CC BY 4.0).

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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
Population and asset values · county totals
MeasureValueObservation window
Resident population2,698,6792020-2020
Building replacement value$358,740,883,7892020-2020
Agricultural market value$1,078,631,9652022-2022

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
Community vulnerability and resilience · index scores 0–100
MeasureScoreObservation window
Social vulnerability index75.92020-2020
Community resilience index42.92020-2020

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.

Florida county comparisons

County hazard loss mix

Riverine Flood$355.8 million · 43.1%Riverine Flood: 355,791,326.20 USD/year; 43.1%Hurricane$330.6 million · 40.1%Hurricane: 330,598,602.61 USD/year; 40.1%Cold Wave$41.0 million · 5.0%Cold Wave: 41,032,720.36 USD/year; 5.0%Heat Wave$31.1 million · 3.8%Heat Wave: 31,138,114.55 USD/year; 3.8%Tornado$24.8 million · 3.0%Tornado: 24,811,661.62 USD/year; 3.0%Coastal Flood$22.8 million · 2.8%Coastal Flood: 22,785,673.97 USD/year; 2.8%Other$18.5 million · 2.2%Other: 18,528,637.95 USD/year; 2.2%0$355.8 million

Riverine Flood leads the modeled expected annual loss mix; bar lengths share a zero baseline.

View chart data
HazardUSD / yearShare
Riverine Flood355,791,326.2043.1%
Hurricane330,598,602.6140.1%
Cold Wave41,032,720.365.0%
Heat Wave31,138,114.553.8%
Tornado24,811,661.623.0%
Coastal Flood22,785,673.972.8%
Other18,528,637.952.2%

National hazard loss ranks

Riverine Flood#15 of 3,232 US · #1 of 67 in FLRiverine Flood: 99.57 percentileHurricane#2 of 2,485 US · #1 of 67 in FLHurricane: 99.96 percentileCold Wave#27 of 3,232 US · #3 of 67 in FLCold Wave: 99.20 percentileHeat Wave#28 of 3,202 US · #1 of 67 in FLHeat Wave: 99.16 percentileTornado#66 of 3,225 US · #6 of 67 in FLTornado: 97.98 percentileCoastal Flood#8 of 588 US · #2 of 59 in FLCoastal Flood: 98.81 percentile0100 percentile

Riverine Flood ranks #15 of 3,232 by modeled expected annual loss. Higher percentiles mean larger modeled losses.

View chart data
HazardRankPercentile
Riverine Flood#15 of 3,232 US · #1 of 67 in FL99.57
Hurricane#2 of 2,485 US · #1 of 67 in FL99.96
Cold Wave#27 of 3,232 US · #3 of 67 in FL99.20
Heat Wave#28 of 3,202 US · #1 of 67 in FL99.16
Tornado#66 of 3,225 US · #6 of 67 in FL97.98
Coastal Flood#8 of 588 US · #2 of 59 in FL98.81

Modeled loss per resident

USD / resident / yearMiami-Dade$306Miami-Dade: 305.59 USD / resident / yearFlorida$409Florida: 408.52 USD / resident / yearUS$459US: 459.35 USD / resident / year0$459

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
PlaceUSD / resident / year
Miami-Dade305.59
Florida408.52
US459.35

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.

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.