Climate Risk Summary

Miami, FL Risk Profile

The primary drivers of climate-related financial risk in Miami, FL are Hurricane, Inland Flooding, and Heat Wave.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Miami.

Primary Risks

Hurricane

$45,268,478

Expected Annual Loss for Miami

88.7Score

Relatively High compared to US average

Miami
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$29,560,292

Expected Annual Loss for Miami

24.3Score

Relatively Moderate compared to US average

Miami
Minimal Estimated LossMax Estimated Loss

Heat Wave

$5,118,893

Expected Annual Loss for Miami

59.4Score

Relatively Moderate compared to US average

Miami
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$45,268,478
Score: 88.7
MAJOR DRIVER
Inland Flooding
$29,560,292
Score: 24.3
MAJOR DRIVER
Heat Wave
$5,118,893
Score: 59.4
Cold Wave
$4,010,923
Score: 45.6
Tornado
$3,702,332
Score: 40.9
Coastal Flooding
$2,971,949
Score: 63.5
Lightning
$1,418,527
Score: 57.5
Hail
$373,239
Score: 38.1
Strong Wind
$167,603
Score: 13.0
Earthquake
$41,257
Score: 3.1
Wildfire
$17,414
Score: 4.6
Drought
$56
Score: 1.1
Landslide
$36
Score: 10.3

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 88.7
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 59.4
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 63.5
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 57.5

Sources and Methodology

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

BrownsvilleCoral GablesEl PortalGladeviewHialeah

Zip Codes in Miami

331013310933125331263312733128331293313033131331323313333134331353313633137331383313933142331443314533146331473314933150