Flood risk in Miami-Dade County, Florida
VERY-HIGH RISKFEMA NFIP historical data aggregated to the county level. Use this as a starting point; parcel-specific zones live on FEMA's flood map service.
Context
Total paid out on claims in Miami-Dade County to date: $130,235,098. A single catastrophic event can skew the average. Compare with neighboring counties to see if the signal is localized or regional.
Frequently asked questions
What is the flood risk in Miami-Dade County?
Historical signal from FEMA NFIP: 4969 total claims, very-high bucket. Bucket thresholds: low (<10), moderate (10 to 49), high (50 to 199), very-high (200+).
Is historical data a forecast?
No. Historical claims are a backward-looking signal. Climate change, upstream development, and local flood mitigation investment can all shift future risk.
Do I need flood insurance?
Mortgage lenders typically require flood insurance for properties in a FEMA designated Special Flood Hazard Area. Even outside those areas, NFIP or private flood insurance is often advisable if any historical claims exist in the county.