Risk Index · Miami-Dade County · 2026-06-13
Miami, FL real-estate risk
- Risk score
- 99.6/100
- Very High
- Expected annual loss
- $825M
- all hazards, county-wide
- Buildings-only loss
- $592M
- what owners and insurers carry
- Population
- 2.7M
- Miami-Dade County
Miami, FL (Miami-Dade County) carries a FEMA National Risk Index score of 99.6/100, rated "Very High" and driven mainly by hurricane and riverine flood, with roughly $825M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Hurricane100
- Riverine flood99.7
- Coastal flood99.6
- Heat wave99.3
- Tornado98.7
- Wildfire96.9
- Hail96.6
- Strong wind82.4
- Drought79.1
- Earthquake62.1
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Miami risk questions
Is Miami, FL a high-risk area for real estate?
Miami scores 99.6/100 on FEMA's National Risk Index, rated "Very High" versus all US counties. Its expected natural-hazard loss is about $825M per year.
What is the biggest natural hazard in Miami?
The highest-rated hazard is hurricane (100/100), followed by riverine flood (99.7/100).
How does hazard risk affect property insurance in Miami?
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.