Miami County, Indiana: hazard risk
FEMA rates Miami County's overall risk Relatively Low (score 52.8 of 100, higher than 52% of rated U.S. counties). Its storm record holds 499 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Strong Wind | Relatively Moderate | 73.4 | $963K |
| Drought | Relatively Moderate | 70.0 | $470K |
| Hail | Relatively Low | 70.3 | $501K |
| Cold Wave | Relatively Low | 65.1 | $1.5M |
| Riverine Flooding | Relatively Low | 65.1 | $9.7M |
| Tornado | Relatively Low | 59.2 | $1.5M |
| Winter Weather | Relatively Low | 55.1 | $69K |
| Heat Wave | Relatively Low | 51.5 | $363K |
| Lightning | Relatively Low | 36.1 | $125K |
| Earthquake | Very Low | 54.9 | $323K |
| Landslide | Very Low | 51.6 | $1K |
| Hurricane | Very Low | 33.3 | $16K |
| Ice Storm | Very Low | 25.7 | $22K |
| Wildfire | Very Low | 9.1 | $3K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 216 | 0 | $1.3M | 26th of 91 | 476th of 3,080 |
| Winter storms | 103 | 0 | $36K | 25th of 91 | 536th of 3,077 |
| Hail | 88 | 0 | $12K | 25th of 91 | 756th of 3,080 |
| Floods | 30 | 0 | $62M | 66th of 91 | 1273rd of 3,080 |
| High wind and dust storms | 22 | 0 | $11K | 18th of 91 | 1016th of 3,080 |
| Tornadoes | 20 | 0 | $13M | 36th of 91 | 574th of 3,080 |
| Extreme cold | 7 | 0 | – | 32nd of 91 | 1337th of 3,076 |
| Drought | 3 | 0 | – | 50th of 91 | 2076th of 3,063 |
| Heat | 2 | 0 | – | 60th of 91 | 2120th of 3,076 |
| Heavy rain | 2 | 0 | – | 26th of 91 | 1297th of 3,080 |
| Lightning | 2 | 0 | $21K | 47th of 91 | 1172nd of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Miami County record: every hazard by year and month, the deadliest events and FEMA's declarations.