Miami Lakes, Florida: natural disaster risk
How exposed Miami Lakes is to floods, storms and other hazards, from FEMA and NOAA records for Miami-Dade County.
Miami Lakes is a city of 31,553 people in Miami-Dade County, Florida. FEMA's National Risk Index rates Miami-Dade County very high for natural hazards overall, higher than most of the US. The costliest hazards there are inland flooding, hurricane and cold wave, with about $825 million in expected losses a year across the county. The weather service has logged 1,155 storm reports in the county since 1953, including 150 tornadoes and 170 floods. NOAA hurricane records show 35 hurricanes and 35 tropical storms passing within 65 miles of the county's center, 16 of them major. About 33.4% of homes in the county carry federal flood insurance.
Risk figures are for Miami-Dade County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Miami Lakes
Full Miami-Dade County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Know your evacuation zone and route before June 1.
- Ask about roof age, shutters and the separate wind or hurricane deductible on your home policy.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $356M | |
| Hurricane | $331M | |
| Cold wave | $41M | |
| Heat wave | $31M | |
| Tornado | $25M | |
| Coastal flooding | $23M | |
| Lightning | $8M | |
| Wildfire | $5M | |
| Hail | $3M | |
| Strong wind | $1M | |
| Drought | $663K | |
| Earthquake | $385K |
Homes in Miami Lakes
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Miami-Dade County
Common questions about Miami Lakes
Is Miami Lakes safe from natural disasters?
Miami Lakes is in Miami-Dade County, which FEMA's National Risk Index rates very high overall, higher than most of the US. The biggest hazards are inland flooding, hurricane, cold wave. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Miami Lakes?
By expected yearly losses in Miami-Dade County, the top hazards are inland flooding (Very High), hurricane (Very High), cold wave (Very High). Miami-Dade County has been part of 39 federal disaster or emergency declarations for natural events.
Does Miami Lakes get tornadoes?
Yes. NOAA records list 150 tornadoes in Miami-Dade County since 1950; the strongest was an F3 tornado on June 17, 1959. FEMA rates tornado risk in the county high.
Do I need flood insurance in Miami Lakes?
Standard home insurance does not cover floods. In Miami-Dade County, about 33.4% of homes have federal flood insurance, and FEMA rates inland flooding risk very high. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.