Photo: Averette · CC BY 3.0On FEMA’s figures, North Bay Village faces more hazard damage per building than 68% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, North Bay Village gets a C for hazard risk: higher expected damage per building than 68% of U.S. towns, #156 of 638 in Florida. Most of that expected damage is hurricanes (57%), then river and rain flooding (22%). Flood insurance has paid 141 claims here since 1991.
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 North Bay Village’s natural hazards
From FEMA’s model and FEMA’s records, below.
What North Bay Village 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
Coastal 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 North Bay Village’s grade
Hurricanes are 57% of the building damage FEMA expects in North Bay Village, and North Bay Village’s rate of hurricanes damage is in the top 7% of U.S. census tracts. Coastal flooding adds 18%, at a rate in the top 1% of U.S. census tracts.
C #156 of 638 in Florida; higher expected damage per building than 68% of U.S. towns (21,298).
North Bay Village’s residents live in 2 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, North Bay Village has less expected damage per building than 76% of Florida towns.
In dollars, FEMA expects about $1.9M a year in losses across North Bay Village: $1.3M to buildings, the rest to people and crops.
Does North Bay Village flood? Yes: 141 flood claims since 1991
Every paid claim on a federal flood insurance policy in North Bay Village, from FEMA’s records: 31.4 per 1,000 homes, more than 89% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irma54 claims · $2.7M
- Hurricane Wilma28 claims · $1.3M
- Hurricane Irene20 claims · $151K
North Bay Village is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Dade County.8 federal disasters brought FEMA money to North Bay Village
Disasters that paid out in North Bay Village itself (aid to households or repair grants to the City of North Bay Village), newest first, with that year’s flood claims.
- 2022Hurricane Ian$4K to the City of North Bay Village for repairs1 flood claim paid that year
- 2017Hurricane Irma1,315 households applied for aid$482K aid approved$552K to the City of North Bay Village for repairs54 flood claims paid for it, $2.7M
- 2008Tropical Storm Fay$7K to the City of North Bay Village for repairs
- 2005Hurricane Wilma489 households applied for aid$450K aid approved$501K to the City of North Bay Village for repairs28 flood claims paid for it, $1.3M
- 2005Hurricane Katrina$60K to the City of North Bay Village for repairs1 flood claim paid for it, $32K
- 2004Hurricane Frances14 households applied for aid$62K aid approved
Show all 8
- 1999Fl-hurricane Irene-dr-req$15K to the City of North Bay Village for repairs20 flood claims paid for it, $151K
- 1999Hurricane Floyd Emergency Declarations$9K to the City of North Bay Village for repairs
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 North Bay Village after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the North Bay Village archive →North Bay Village and its neighbors
North Bay Village 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 |
|---|---|---|---|
| North Bay Village | Cmore damage than 68% | hurricanes | 141 |
| Miami Beach | C−more damage than 79% | hurricanes | 1,335 |
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 North Bay Village 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.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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.
- North Bay Village residents get 10% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in North Bay Village
Is North Bay Village at risk for natural disasters?
On FEMA’s National Risk Index, North Bay Village has higher expected damage per building than 68% of U.S. towns: C for hazard risk, #156 of 638 in Florida. Most of the expected damage is hurricanes (57%) and river and rain flooding (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does North Bay Village flood?
Flood insurance has paid 141 claims in North Bay Village since 1991, $5.3M in all, or 31.4 per 1,000 homes, more than 89% of U.S. towns with a flood insurance record. 15 properties have flooded more than once. The most claims came from Hurricane Irma (54).
Is North Bay Village 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 North Bay Village?
North Bay Village 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 North Bay Village?
By FEMA money that reached North Bay Village, Hurricane Irma (2017): 1,315 households applied for aid, $482K approved, and $552K to the City of North Bay Village for repairs. By flood claims, Hurricane Irma: 54 paid, $2.7M.
Is North Bay Village at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (57%), and North Bay Village’s rate for it is in the top 7% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in North Bay Village.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where North Bay Village’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.