Does Miami have its own hazard scores?

No. Miami inherits Florida’s statewide ratings. Use this page to see which peril matters most locally (Hurricanes), then verify the exact address — two streets in Miami-Dade County can differ.

What should I check first in Miami?

Start with Hurricanes in Florida, then a ZIP lookup and the FEMA or USGS map that matches that hazard.

Miami, Florida home risk profile

What this page is

Miami sits in Miami-Dade County, Florida. This is a local briefing: it names the hazard that usually matters most here (Hurricanes), then shows the statewide ratings Florida homeowners use to decide what official map to open. It is not a flood-zone letter or an insurance quote.

Confirm the neighborhood with a ZIP lookup.
Open Hurricanes in Florida.
Verify the address on the official maps in the sidebar, then read a matching guide.

Miami is in Miami-Dade County, Florida. Hurricanes, storm surge, sunny-day tidal flooding and extreme heat are the risks that most affect Miami homes and insurance.

The ratings below are state-level summaries used across Florida. Actual risk varies by neighborhood — always verify your address on FEMA flood maps, your county emergency management site and the official sources linked from each hazard page.

How to read the Miami snapshot

Miami is in Miami-Dade County, Florida. This page does not score individual streets. It tells you which statewide hazards matter most here, then points you to the official map for the address you care about.

The local focus is Hurricanes in Florida. Wind and flood are often different policies. A hurricane can trigger both. Check whether you have a percentage hurricane deductible.

Highest statewide ratings that apply in Miami

Flooding — Extreme. Florida gets hit by flooding from storms, sea level rise, and just plain heavy rain, and almost every county has some…
Hurricanes — Extreme. If you own a home in Florida, hurricanes are the risk that shapes everything else — wind, storm surge, and flood. The…
Extreme Heat — Extreme. Florida is a 5 out of 5 for extreme heat, and that rating isn't about discomfort — it's about what a long summer does…

What to do before you buy or renew in Miami

Look up the ZIP on our ZIP tool so you land on this city or the Florida profile.
Open the Hurricanes page and follow the official map links in the sidebar.
Confirm preparedness guidance with Florida Division of Emergency Management.

Other Florida city briefings: Cape Coral, Fort Lauderdale, Hialeah, Jacksonville, Orlando, Pembroke Pines.

Hazard ratings for Florida

These are state-level scores used across Miami. Use them as a starting point, then verify your exact address with the official maps linked on each hazard page.

Flooding Florida gets hit by flooding from storms, sea level rise, and just plain heavy rain, and almost every county has some risk. If you own or… Extreme Hurricanes If you own a home in Florida, hurricanes are the risk that shapes everything else — wind, storm surge, and flood. The state rates this… Extreme Extreme Heat Florida is a 5 out of 5 for extreme heat, and that rating isn't about discomfort — it's about what a long summer does to your roof, your… Extreme Severe Storms Florida gets severe storms year-round, and the statewide risk rating is 4 out of 5. Here's what that means for your roof, your insurance,… Major Tornadoes Florida can see tornadoes in any month, and the risk is not just a Panhandle thing. If you are buying or insuring a home in Florida, you… Moderate Wildfires Florida isn't the first state people picture for wildfire, but the Panhandle, Big Bend, and north-central counties do burn. Our statewide… Moderate Drought If you own a home in Florida, drought can dry up your well, crack your foundation, and make your landscaping a fire hazard. It's a level 3… Moderate Earthquakes Florida is one of the lowest earthquake-risk states in the country, so I wouldn’t lose sleep over fault lines when you buy a house there.… Minimal Winter Storms Florida won't often make national news for winter storms, but a hard freeze or ice event in the Panhandle or North Florida can still burst… Minimal Landslides Florida gets a level 1 of 5 for landslide risk, so the odds of a catastrophic slide are very low. But if your house sits on a river bluff… Minimal

What the ratings mean

"MinimalMinorModerateMajorExtreme

Each rating is a statewide starting point, framed for a typical 30-year stay — the length of a standard mortgage. A neighborhood can look different from the state average. Always verify your address with official FEMA, NOAA or USGS maps.

Save this profile as a PDF for your records or insurance file.

Using the Miami profile

Does Miami have its own hazard scores?: No. Miami inherits Florida’s statewide ratings. Use this page to see which peril matters most locally (Hurricanes), then verify the exact address — two streets in Miami-Dade County can differ.
What should I check first in Miami?: Start with Hurricanes in Florida, then a ZIP lookup and the FEMA or USGS map that matches that hazard.
Will homeowners insurance cover Hurricanes here?: Wind and flood are often different policies. A hurricane can trigger both. Check whether you have a percentage hurricane deductible.

Last updated: October 8, 2026. Ratings are state-wide estimates — always verify your specific address with official sources.

Guides for Florida homeowners

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InsuranceWhat Happens to Your NFIP Policy If Congress Lets the Program LapseCongress extended the NFIP through December 11, 2026. If the program lapses, existing policies stay in force and claims get paid…Oct 15, 2026Read guide →

InsuranceExcess Flood Insurance: Coverage Above NFIP's $250,000 LimitThe NFIP caps flood coverage at $250,000 for the building and $100,000 for contents. If your home would cost more to rebuild,…Oct 15, 2026Read guide →