🌀 Hurricane Readiness Profile · Updated May 2026

Miami Hurricane Readiness

Wind zone, flood and surge exposure, evacuation, insurance baseline, and the local pros to call before — and after — a named storm hits Miami, Miami-Dade.

Design wind speed
175 mph
175 mph HVHZ — strictest building code in the United States
Max storm surge
Category 5
SLOSH-modeled worst case
High-risk flood
47%
of city land in FEMA AE/VE zones
Avg wind premium
$6,900
2026 typical annual policy

⚠️ Top threats for Miami

  • Direct Atlantic hurricane exposure
  • King tide saltwater intrusion (year-round)
  • Highest property insurance rates in Florida

Notable storms in Miami history

  • Hurricane Andrew 1992 — the storm that rewrote the FBC
  • Hurricane Irma 2017
  • Hurricane Wilma 2005

🛠 Prep window (May 1 – June 1)

  1. Schedule a wind-mitigation inspection — discount renews every 5 years.
  2. Test and deploy hurricane shutters; lubricate tracks.
  3. Service generator + stock 7-10 days of stabilized fuel.
  4. Trim trees and palm fronds away from roof and power lines.
  5. Photograph home interior + exterior for insurance baseline.
  6. Confirm flood insurance is active (30-day waiting period).

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Shutters, roof inspection, generator install, wind-mitigation cert, or tree trimming — tell us what you need and we'll connect you with 1–3 vetted Miami contractors. No lead-spam. We don't sell your contact info.

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