FloodMaps
Map of FEMA flood zones in Miami-Dade CountyTap the map to explore

County · Flood risk

Check any address in Miami-Dade County

Quick facts

Homes on the tax roll

811,151

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Sep 2009

First flood map 1972

Flood insurance discount

35% off

Miami-Dade County, Community Rating System Class 3

Most flood claims in one storm

3,765

Hurricane Irma 2017, 1,977 paid

Homes with water, FEMA aid

9,988

Aid registrations reporting water inside, Hurricane Irma 2017

New FEMA maps

Adopted, not yet in effect

Pending maps will replace today's zones

Sinkhole reports

4

Florida Geological Survey, mostly unverified

Past storms in Miami-Dade County

National Flood Insurance Program claims and FEMA aid registrations that reported water inside the home, for the whole county.

Flood claims and FEMA aid by storm in Miami-Dade County
StormClaimsPaidAid, water inside
Hurricane Irma 20173,7651,9779,988
Tropical Storm Eta 2020585413–
Hurricane Ian 202252112
Fort Lauderdale flood 202338190
South Florida flood June 2024759606–
Hurricane Helene 2024101–
Hurricane Milton 20241510

Frequently asked questions

Do I need flood insurance in Miami-Dade County?

Lenders require flood insurance on a federally backed mortgage when the building is in one of FEMA's high-risk zones, the ones starting with A or V. The map that sets those zones in Miami-Dade County took effect on September 11, 2009. Outside those zones insurance is optional, but claims come from moderate- and low-risk zones too, so it's worth checking the zone and the floor height of the exact home.

When was the FEMA flood map for Miami-Dade County last updated?

The flood map in effect for Miami-Dade County took effect on September 11, 2009. The county's first flood map dates to September 30, 1972. FEMA has adopted newer maps for parts of the county that haven't taken effect yet; until they do, the current map sets insurance requirements.

Is there a flood insurance discount in Miami-Dade County?

Miami-Dade County is in FEMA's Community Rating System at Class 3, which takes 35% off National Flood Insurance Program premiums for policies inside the high-risk flood zone. Classes run from 10 to 1, and each step down adds 5% off.

Which storms flooded Miami-Dade County the most?

By National Flood Insurance Program claims across Miami-Dade County, the worst recent storms were Hurricane Irma 2017 (3,765 claims, 1,977 paid), South Florida flood June 2024 (759 claims, 606 paid), and Tropical Storm Eta 2020 (585 claims, 413 paid). After Hurricane Irma 2017, 9,988 FEMA aid registrations in the county reported water inside the home. Claims only count insured homes, so the real number of flooded homes is higher.

What causes flooding in Miami-Dade County?

On the Atlantic coast, flooding comes from hurricane surge, seasonal king tides that back up through storm drains, and heavy rain on flat ground with a high water table. The storms we track for Southeast Florida are Hurricane Matthew 2016, Hurricane Irma 2017, Tropical Storm Eta 2020, Hurricane Nicole 2022, Fort Lauderdale flood 2023, South Florida flood June 2024, Hurricane Helene 2024, and Hurricane Milton 2024. Miami-Dade County has about 811,000 homes on the state tax roll.

Miami-Dade is Florida's most populous county, spanning Miami, Miami Beach, Homestead, and the eastern Everglades on low limestone ground.

Miami-Dade County has about 811,000 homes on the state tax roll. The FEMA flood map in effect for Miami-Dade County took effect on September 11, 2009; the county's first flood map dates to 1972. The storm that left the most flood insurance claims in the county was Hurricane Irma 2017, with 3,765, followed by South Florida flood June 2024 with 759. Miami-Dade County is in FEMA's Community Rating System at Class 3, which takes 35% off National Flood Insurance Program premiums for policies inside the high-risk flood zone.

On the Atlantic coast, flooding comes from hurricane surge, seasonal king tides that back up through storm drains, and heavy rain on flat ground with a high water table. The storms we track for Southeast Florida are Hurricane Matthew 2016, Hurricane Irma 2017, Tropical Storm Eta 2020, Hurricane Nicole 2022, Fort Lauderdale flood 2023, South Florida flood June 2024, Hurricane Helene 2024, and Hurricane Milton 2024.

Search any address in Miami-Dade County for a free report: its FEMA flood zone and whether insurance is required, its risk level, and its floor height against the flood line. The full report adds a 0 to 100 risk score, the flood insurance cost, the home's record in each storm we track, and a PDF to share.

Compiled by FloodMaps from FEMA, state, and county records. Data dates: 2026 county tax roll (preliminary values); flood claims and FEMA aid for storms from 2016 through Hurricane Milton (October 2024); FEMA map dates and insurance discounts as of October 8, 2026.

Cities and nearby counties

Florida Flood News & Updates