🌍 ClimateRiskCheck

Natural Disaster Risk in Miami

Texas

3.6out of 10
Low Risk

Risk Summary for Miami

Miami scores 3.6/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Drought.

Top Hazards

Drought Wildfire Tsunami

All 18 Hazard Scores

Drought
9.2
Wildfire
7.8
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Hurricane
3.8
Ice Storm
3.1
Hail
2.5
Tornado
2.4
Winter Weather
2.4
Cold Wave
2.4
Landslide
1.9
Strong Wind
1.7
Earthquake
1.6
Extreme Heat
1.6
Lightning
1.5
Riverine Flooding
1.0

How it compares

Miami
3.6
Texas avg.
5.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Below-average risk β€” standard coverage likely adequate

Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Miami, Texas

Located in the arid interior West in Roberts County, Miami is a small community of about 726. The diverse climate that characterizes this part of Texas β€” marked by an exceptionally varied climate from humid subtropical in the east to desert in the west β€” directly influences the types and severity of natural hazards present, making Miami a community where hazard awareness has real practical value.

FEMA rates Miami's composite natural disaster risk at 3.6 out of 10 β€” low risk. Drought is the leading natural hazard, with multi-year dry periods capable of depleting water supplies, devastating agriculture, and increasing wildfire risk across the region. Residents should also account for wildfire and tsunami risk in their preparedness planning.

Relative to other U.S. communities, Miami's natural disaster risk is below the U.S. national average of 4.5/10, considerably below the 5.6/10 state average. The hazard distribution here is led by drought and wildfire, as measured by FEMA across Roberts County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

Despite its lower-than-average risk classification, Miami is not immune to natural hazards. Basic preparedness β€” an emergency kit, awareness of seasonal risks, and property insurance that covers drought β€” remains prudent for all residents.

What this means for Miami: Drought preparedness

  • Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
  • Follow local water-use restrictions, which may be enacted during severe drought conditions.
  • Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.

Local Factors for Miami

These city-level factors differentiate Miami from other communities in Roberts County and provide geographic context for its hazard exposure.

Population

726

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 35.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.8/10

Coordinates

35.7983Β° N, 100.7353Β° W

Roberts County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Miami

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Miami

Other cities in Texas

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.