Enter any address in Miami-Dade County, Florida to see its FEMA flood zone
Flooding from a variety of sources, including coastal flooding and heavy rainfall events, is a recurring issue. Over the last 30 years, NOAA has recorded 114 flood events, 80 coastal flood events, and 61 flash flood events. Tropical storms and hurricanes have also contributed, with 32 tropical storms and 12 hurricanes recorded in the same period. Recent events include localized urban flooding in Miami Beach and downtown Miami following heavy rainfall on March 30th, 2025, and scattered shower activity along the east coast metro areas, including Miami Beach, on February 18th, 2025.
National Flood Insurance Program data shows that properties in Zone A have experienced the highest number of claims, with an average payout of $13,325 and an average water depth of 0.7 feet. Zone V properties have seen the highest average payouts at $44,845, with an average water depth of 1.3 feet. Homeowners in coastal areas, as well as those in Zone A and Zone V, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
168 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Miami-Dade County, Florida has recorded 343 flood-related events since 1996 according to NOAA's Storm Events Database, including 61 flash floods and 114 river or area floods. The county has received 43 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1965–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Hurricane Milton | Hurricane | Oct 5, 2024 |
| Hurricane Nicole | Hurricane | Nov 7, 2022 |
| Tropical Storm Nicole | Tropical Storm | Nov 7, 2022 |
| Hurricane Ian | Hurricane | Sep 23, 2022 |
| Tropical Storm Ian | Hurricane | Sep 23, 2022 |
| Tropical Storm Elsa | Severe Storm | Jul 4, 2021 |
| Surfside Building Collapse | Other | Jun 24, 2021 |
| Hurricane Isaias | Hurricane | Jul 31, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Mar 30, 2025 | 0.00K |
| Flood | Jul 22, 2025 | 0.00K |
| Flood | Sep 21, 2025 | 5.00K |
| Flood | Feb 18, 2025 | 0.00K |
| Flood | May 12, 2025 | 20.00K |
| Flood | Sep 8, 2025 | 0.00K |
| Coastal Flood | Oct 8, 2025 | 0.00K |
| Coastal Flood | Oct 7, 2025 | 0.00K |
| Flood | Aug 7, 2025 | 0.00K |
| Flood | Sep 5, 2025 | 0.00K |
Flood — Mar 30, 2025
As a shortwave passed across South Florida on March 30th, the surface heating and substantial moisture supported an afternoon of instability leading to active showers and thunderstorms. The Atlantic sea breeze became pinned along the east coast metro leading to heavy rainfall in coastal Miami-Dade. With ongoing showers, there were several reports of localized, urban flooding in Miami Beach and ...
Flood — Jul 22, 2025
Repeated rounds of rainfall from thunderstorms that developed in the afternoon and evening of July 22, 2025 over the Southeast Florida urbanized area.
Flood — Sep 21, 2025
Ample moisture, a surface boundary north of the area, and diurnal heating combined to support thunderstorms that produced heavy rainfall over Southeast Florida on the 21st of September.
Flood — Feb 18, 2025
Following the passage of a frontal surface boundary, showers remained to the north of the boundary as it sat across the Florida Keys region on February 18th. Plentiful precipitable water supported scattered shower activity along the east coast metro areas, including Miami Beach, through the afternoon and evening hours.
Flood — May 12, 2025
A surface front associated with an area of low pressure moving across the southern United States slowly approached Florida from the eastern Gulf. The moist air mass ahead of the front allowed for flooding from excessive rainfall and for strong to severe thunderstorms to develop.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Miami-Dade County, Florida:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Miami-Dade County, Florida that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.