FEMA puts Coral Terrace’s expected hazard damage per building above that of 74% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Coral Terrace gets a C for hazard risk: higher expected damage per building than 74% of U.S. towns, #241 of 638 in Florida. Most of that expected damage is river and rain flooding (49%), then hurricanes (48%). Flood insurance has paid 184 claims here since 1979.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What stands out about Coral Terrace’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Coral Terrace faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Coral Terrace’s grade
River and rain flooding is 49% of the building damage FEMA expects in Coral Terrace, and Coral Terrace’s rate of river and rain flooding damage is higher than 53% of U.S. census tracts. Hurricanes add 48%, at a rate in the top 8% of U.S. census tracts.
C #241 of 638 in Florida; higher expected damage per building than 74% of U.S. towns (21,298).
Coral Terrace’s residents live in 6 census tracts; FEMA’s figures are combined by where they live.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Coral Terrace has less expected damage per building than 62% of Florida towns.
In dollars, FEMA expects about $5.5M a year in losses across Coral Terrace: $4.5M to buildings, the rest to people and crops.
Does Coral Terrace flood? Yes: 184 flood claims since 1979
Every paid claim on a federal flood insurance policy in Coral Terrace, from FEMA’s records: 21.2 per 1,000 homes, more than 85% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene29 claims · $690K
- Hurricane Katrina5 claims · $63K
- Hurricane Irma2 claims · $21K
Coral Terrace isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Dade County.1 federal disaster brought FEMA money to Coral Terrace
Disasters that paid out in Coral Terrace itself (aid to households or repair grants to Coral Terrace), newest first, with that year’s flood claims.
- 2017Hurricane Irma10 households applied for aid$4K aid approved2 flood claims paid for it, $21K
Its 2 counties have had 32 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in its 2 counties, 1999–2001.
Old photos of Coral Terrace after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Coral Terrace archive →Coral Terrace and its neighbors
Coral Terrace is 2nd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Glenvar Heights | Cmore damage than 73% | hurricanes | 112 |
| Coral Terrace | Cmore damage than 74% | river and rain flooding | 184 |
| Westchester | Cmore damage than 75% | hurricanes | 133 |
| West Miami | C−more damage than 76% | river and rain flooding | 54 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Coral Terrace faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Coral Terrace
Is Coral Terrace at risk for natural disasters?
On FEMA’s National Risk Index, Coral Terrace has higher expected damage per building than 74% of U.S. towns: C for hazard risk, #241 of 638 in Florida. Most of the expected damage is river and rain flooding (49%) and hurricanes (48%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Coral Terrace flood?
Flood insurance has paid 184 claims in Coral Terrace since 1979, $3.9M in all, or 21.2 per 1,000 homes, more than 85% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irene (29).
Is Coral Terrace in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Dade County, 74% of homes in mapped flood zones carry federal flood insurance, and 33.4% of all homes do.
How much is flood insurance in Coral Terrace?
FEMA’s Community Rating System list shows no discount for Coral Terrace’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Coral Terrace?
By FEMA money that reached Coral Terrace, Hurricane Irma (2017): 10 households applied for aid, $4K approved. By flood claims, Hurricane Irene: 29 paid, $690K.
Is Coral Terrace at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (49%), and Coral Terrace’s rate for it is higher than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Coral Terrace.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Coral Terrace’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.