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Miramar, Florida neighborhoodPhoto: AccuTour Digital Media Solutions · CC BY 3.0
C−Hazard risk
Natural hazards in Miramar · FEMA

FEMA expects more hazard damage per building in Miramar than in 78% of U.S. towns; 653 flood claims have been paid there

On FEMA’s National Risk Index, Miramar gets a C− for hazard risk: higher expected damage per building than 78% of U.S. towns, #304 of 638 in Florida. Most of that expected damage is hurricanes (50%), then river and rain flooding (48%). Flood insurance has paid 653 claims here since 1979.

Hurricanes 50%River and rain flooding 48%Wildfire 2%

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

more than 78%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#304 of 638 in Florida
Hazard risk
C−#304 of 638
in Florida · higher than 78% of U.S. towns
Main hazard
Hurricanes
50% of expected building damage
Flood claims
653
paid since 1979 · $3.7M
Flooded more than once
47
properties · 1 “severe repetitive loss”
Flood insurance
10% off
Community discount (class 8)

What stands out about Miramar’s natural hazards

From FEMA’s model and FEMA’s records, below.

653 paid flood claims since 1979$3.7M in all; 47 properties flooded more than once. More per home than 79% of U.S. towns.10% off flood insuranceFlood-proofing work earns Miramar residents a discount through FEMA’s Community Rating System (class 8).Made safer with FEMA grants9 buildings retrofitted against wind with FEMA grants.Remembers 1999298 flood claims were paid for 1999 alone, the most of any year.
By hazard

What Miramar faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

Hurricanes

50%of expected building damage
Well above average · in the top 8% of U.S. census tracts
Recorded about once every 3 years in the area

River and rain flooding

48%of expected building damage
Above average · higher than 61% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Wildfire Tornadoes Strong wind Cold waves Lightning Hail Earthquakes Heat waves Landslides
FEMA models no building damage here
Coastal floodingWinter stormsIce stormsAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Miramar’s grade

Hurricanes are 50% of the building damage FEMA expects in Miramar, and Miramar’s rate of hurricanes damage is in the top 8% of U.S. census tracts. Next is river and rain flooding at 48% (higher than 61% of U.S. census tracts).

Where Miramar sits
Miramar
Least damageMiddleMost damage

C− #304 of 638 in Florida; higher expected damage per building than 78% of U.S. towns (21,298).

Miramar’s residents live in 25 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
Hurricanes50%River and rain flooding48%Everything else2%

The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Miramar has less expected damage per building than 52% of Florida towns.

Among the 400 U.S. cities of 100,000 or more, Miramar has higher expected damage per building than 71% (#284 of 400). Because it is so big, its total expected yearly loss, $34.6M, is the 327th largest of those 400.

Recent disaster.FEMA’s model looks at expected damage to the buildings standing today. After Hurricane Irma in 2017, FEMA took 25,014 aid registrations from Miramar addresses (the town has 46,380 homes) and flood insurance paid 25 claims for $358K.
Model and record.Most of Miramar’s paid flood claims (287 of 653) came from Hurricane Irene (1999), a coastal storm. FEMA’s model spreads coastal flood damage over all of the city’s buildings, most of them far from the water, so coastal flooding is 0.0% of the citywide figure.
A firm figure. It combines 25 census tracts by where Miramar’s residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Miramar flood? Yes: 653 flood claims since 1979

Every paid claim on a federal flood insurance policy in Miramar, from FEMA’s records: 14.1 per 1,000 homes, more than 79% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1979: 36 claims1980: 1 claim1981: 10 claims1982: 3 claims1983: 0 claims1984: 0 claims1985: 0 claims1986: 6 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 20 claims1992: 4 claims1993: 1 claim1994: 20 claims1995: 10 claims1996: 3 claims1997: 1 claim1998: 5 claims1999: 298 claims2000: 56 claims2001: 2 claims2002: 4 claims2003: 3 claims2004: 18 claims2005: 52 claims2006: 1 claim2007: 4 claims2008: 5 claims2009: 1 claim2010: 0 claims2011: 6 claims2012: 9 claims2013: 1 claim2014: 2 claims2015: 2 claims2016: 0 claims2017: 25 claims2018: 0 claims2019: 0 claims2020: 35 claims2021: 0 claims2022: 0 claims2023: 5 claims2024: 4 claims2025: 0 claims2026: 0 claims199920002005
19792026
Biggest named events
  • Hurricane Irene287 claims · $1.0M
  • Hurricane Wilma43 claims · $526K
  • Hurricane Eta30 claims · $431K
653
paid claims since 1979
$3.7M
paid to owners
47
homes flooded more than once
$6K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (1)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
Community discount10% off flood insurance

Miramar is in FEMA’s Community Rating System (class 8) for its flood-proofing work.

Insurance rates: Broward County.
What’s been done with FEMA grants
9buildings retrofitted against wind
Disasters

13 federal disasters brought FEMA money to Miramar

Disasters that paid out in Miramar itself (aid to households or repair grants to the City of Miramar), newest first, with that year’s flood claims.

  1. 2023Severe Storms, Tornadoes, and Flooding287 households applied for aid$169K aid approved$10K to the City of Miramar for repairs5 flood claims paid that year
  2. 2022Hurricane Ian1 households applied for aid$29K to the City of Miramar for repairs
  3. 2019Hurricane Dorian$321K to the City of Miramar for repairs
  4. 2017Hurricane Irma25,014 households applied for aid$8.6M aid approved$8.0M to the City of Miramar for repairs25 flood claims paid for it, $358K
  5. 2016Hurricane Matthew$170K to the City of Miramar for repairs
  6. 2008Tropical Storm Fay$40K to the City of Miramar for repairs5 flood claims paid that year
Show all 13
  1. 2005Hurricane Wilma12,219 households applied for aid$5.3M aid approved$16.3M to the City of Miramar for repairs43 flood claims paid for it, $526K
  2. 2005Hurricane Katrina$666K to the City of Miramar for repairs
  3. 2004Hurricane Jeanne$145K to the City of Miramar for repairs
  4. 2004Hurricane Frances716 households applied for aid$578K aid approved$524K to the City of Miramar for repairs13 flood claims paid for it, $78K
  5. 2000Severe Storms and Flooding$57K to the City of Miramar for repairs56 flood claims paid that year
  6. 1999Fl-hurricane Irene-dr-req$89K to the City of Miramar for repairs287 flood claims paid for it, $1.0M
  7. 1999Hurricane Floyd Emergency Declarations$33K to the City of Miramar for repairs
Disasters declared, by decade
Paid out in MiramarBroward County only

Broward County has 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 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Broward County, 1999–1999.

Were you here?

Old photos of Miramar after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Miramar archive →
Next door

Miramar and its neighbors

Miramar is 4th of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Pembroke Pines: hazard risk C−Miami Gardens: hazard risk C−Country Club: hazard risk C−West Park: hazard risk CPembroke PinesMiami GardensCountry ClubWest ParkMiramar
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
West ParkCmore damage than 73%hurricanes25
Pembroke PinesC−more damage than 76%hurricanes597
Country ClubC−more damage than 76%hurricanes202
MiramarC−more damage than 78%hurricanes653
Miami GardensC−more damage than 79%hurricanes144

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.

Be ready

Get ready for what Miramar faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

Hurricane season
  • 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.
More from Ready.gov ↗
When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
  • Miramar residents get 10% off flood insurance.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Miramar

Is Miramar at risk for natural disasters?

On FEMA’s National Risk Index, Miramar has higher expected damage per building than 78% of U.S. towns: C− for hazard risk, #304 of 638 in Florida. Most of the expected damage is hurricanes (50%) and river and rain flooding (48%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Miramar flood?

Flood insurance has paid 653 claims in Miramar since 1979, $3.7M in all, or 14.1 per 1,000 homes, more than 79% of U.S. towns with a flood insurance record. 47 properties have flooded more than once. The most claims came from Hurricane Irene (287).

Is Miramar 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 Broward County, 76% of homes in mapped flood zones carry federal flood insurance, and 19.2% of all homes do.

How much is flood insurance in Miramar?

Miramar is in FEMA’s Community Rating System (class 8), which takes 10% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Miramar?

By FEMA money that reached Miramar, Hurricane Wilma (2005): 12,219 households applied for aid, $5.3M approved, and $16.3M to the City of Miramar for repairs. By flood claims, Hurricane Irene: 287 paid, $1.0M.

Is Miramar at risk from hurricanes?

It is the largest share of the building damage FEMA expects here (50%), and Miramar’s rate for it is in the top 8% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Miramar.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Miramar’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.