Natural Disaster Risk in Miami
Texas
3.6out of 10
Risk Summary for Miami
Below-average natural disaster risk. Fewer and less severe natural hazards affect this area.
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 — 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.
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.