Miami County
Indiana — Natural Disaster Risk Assessment
LowComposite Risk Score
National percentile: 53th
Miami County faces low composite natural disaster risk (NRI Risk Index score 52.8, 53th national percentile), driven primarily by strong wind and hail exposure. Expected annual loss across all 18 hazard types is $16M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Strong Wind | Medium | 5.26 / yr | $963K |
| Hail | Low | 4.01 / yr | $501K |
| Drought | Medium | 1.94 / yr | $470K |
| Cold Wave | Low | 4.00 / yr | $2M |
| Riverine Flood | Low | 0.39 / yr | $10M |
| Tornado | Low | 0.28 / yr | $2M |
| Winter Weather | Low | 9.53 / yr | $69K |
| Earthquake | Very Low | 0.00 / yr | $323K |
| Landslide | Very Low | 0.08 / yr | $1K |
| Heat Wave | Low | 5.26 / yr | $363K |
| Lightning | Low | 43.94 / yr | $125K |
| Hurricane | Very Low | 0.02 / yr | $16K |
| Ice Storm | Very Low | 0.88 / yr | $22K |
| Wildfire | Very Low | 0.00 / yr | $3K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Miami County?
Miami County has a composite FEMA National Risk Index score of 52.8 out of 100, placing it in the Low category and the 53th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Miami County?
The three highest-rated hazards are Strong Wind (Medium, $963K EAL), Hail (Low, $501K EAL), Drought (Medium, $470K EAL). These account for most of the county's expected annual losses.
How does Miami County compare to other Indiana counties?
Miami County ranks #32 of 92 Indiana counties for overall natural disaster risk, with a low rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Miami County's $16M EAL is a statistical average, not a guarantee for any specific year or address.