Miami-Dade County
Florida — Natural Disaster Risk Assessment
Very HighComposite Risk Score
National percentile: 100th
Miami-Dade County faces very high composite natural disaster risk (NRI Risk Index score 99.6, 100th national percentile), driven primarily by hurricane and lightning exposure. Expected annual loss across all 18 hazard types is $825M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Hurricane | Very High | 0.30 / yr | $331M |
| Lightning | Very High | 97.70 / yr | $8M |
| Riverine Flood | Very High | 4.00 / yr | $356M |
| Coastal Flood | Very High | 2.25 / yr | $23M |
| Cold Wave | Very High | 1.28 / yr | $41M |
| Heat Wave | High | 6.16 / yr | $31M |
| Tornado | High | 1.07 / yr | $25M |
| Wildfire | Medium | 0.01 / yr | $5M |
| Hail | High | 0.56 / yr | $3M |
| Strong Wind | Medium | 0.76 / yr | $1M |
| Drought | Medium | 8.94 / yr | $663K |
| Earthquake | Low | 0.00 / yr | $385K |
| Landslide | Very Low | 0.19 / yr | $820 |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Ice Storm | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
| Winter Weather | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Miami-Dade County?
Miami-Dade County has a composite FEMA National Risk Index score of 99.6 out of 100, placing it in the Very High category and the 100th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Miami-Dade County?
The three highest-rated hazards are Hurricane (Very High, $331M EAL), Lightning (Very High, $8M EAL), Riverine Flood (Very High, $356M EAL). These account for most of the county's expected annual losses.
How does Miami-Dade County compare to other Florida counties?
Miami-Dade County ranks #1 of 67 Florida counties for overall natural disaster risk, with a very high rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Miami-Dade County's $825M EAL is a statistical average, not a guarantee for any specific year or address.