Hotel Mims · Photo: Ebyabe · CC BY 2.5On FEMA’s figures, Mims faces more hazard damage per building than 91% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Mims gets a D for hazard risk: higher expected damage per building than 91% of U.S. towns, #479 of 638 in Florida. Most of that expected damage is hurricanes (74%), then river and rain flooding (20%). Flood insurance has paid 11 claims here since 2022.
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 Mims faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
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 Mims’ grade
Hurricanes are 74% of the building damage FEMA expects in Mims, and Mims’ rate of hurricanes damage is in the top 4% of U.S. census tracts. Wildfire adds 3%, at a rate in the top 7% of U.S. census tracts.
D #479 of 638 in Florida; higher expected damage per building than 91% of U.S. towns (21,298).
Mims’ 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, Mims has more expected damage per building than 75% of Florida towns.
In dollars, FEMA expects about $3.8M a year in losses across Mims: $3.4M to buildings, the rest to people and crops.
Does Mims flood? Sometimes: 11 flood claims since 2022
Every paid claim on a federal flood insurance policy in Mims, from FEMA’s records: 2.6 per 1,000 homes, fewer than 56% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ian5 claims · $457K
- Hurricane Milton1 claim · $210K
Mims isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Brevard County.12 federal disasters brought FEMA money to Mims
Disasters that paid out in Mims itself (aid to households or repair grants to Mims), newest first, with that year’s flood claims.
- 2024Hurricane Milton522 households applied for aid$550K aid approved1 flood claim paid for it, $210K
- 2022Hurricane Nicole57 households applied for aid$100K aid approved
- 2022Hurricane Ian758 households applied for aid$1.3M aid approved5 flood claims paid for it, $457K
- 2017Hurricane Irma1,498 households applied for aid$862K aid approved
- 2016Hurricane Matthew273 households applied for aid$90K aid approved
- 2009Severe Storms, Flooding, Tornadoes, and Straight-line Winds1 households applied for aid$327 aid approved
Show all 12
- 2008Tropical Storm Fay99 households applied for aid$86K aid approved
- 2005Hurricane Wilma50 households applied for aid$106K aid approved
- 2004Hurricane Jeanne578 households applied for aid$788K aid approved
- 2004Hurricane Ivan18 households applied for aid$1K aid approved
- 2004Hurricane Frances1,347 households applied for aid$1.7M aid approved
- 2004Tropical Storm Bonnie and Hurricane Charley525 households applied for aid$468K aid approved
Brevard County has had 29 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 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Brevard County, 1999–2008.
Old photos of Mims after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mims archive →Mims and its neighbors
Mims has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Mims | Dmore damage than 91% | hurricanes | 11 |
| Titusville | Dmore damage than 92% | hurricanes | 59 |
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 Mims faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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 Mims
Is Mims at risk for natural disasters?
On FEMA’s National Risk Index, Mims has higher expected damage per building than 91% of U.S. towns: D for hazard risk, #479 of 638 in Florida. Most of the expected damage is hurricanes (74%) and river and rain flooding (20%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Mims flood?
Flood insurance has paid 11 claims in Mims since 2022, $951K in all, or 2.6 per 1,000 homes, fewer than 56% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ian (5).
Is Mims 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 Brevard County, 47% of homes in mapped flood zones carry federal flood insurance, and 11.8% of all homes do.
How much is flood insurance in Mims?
FEMA’s Community Rating System list shows no discount for Mims’ 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 Mims?
By FEMA money that reached Mims, Hurricane Frances (2004): 1,347 households applied for aid, $1.7M approved. By flood claims, Hurricane Ian: 5 paid, $457K.
Is Mims at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (74%), and Mims’ rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mims.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mims’ 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.