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Miramar Beach CDP, FL

ZIP 32550 — Climate & Environment

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Climate, disaster risk, air quality, and environmental safety

Environment & Risk in ZIP Code 32550

Disaster Risk (FEMA NRI)

County-linked natural hazard risk from FEMA National Risk Index — useful for comparing insurance and disaster exposure.

FEMA’s National Risk Index rates natural-hazard risk for Miramar Beach CDP, FL as Relatively Moderate (composite score 88.6), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (97.4) and wildfire (75.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Overall rating
Relatively Moderate
Risk index
88.6
Flood risk
68.3
Wildfire risk
75.7
Hurricane risk
97.4
Earthquake risk
46.4
Tornado risk
85.6
Winter weather risk
22.9
Hail risk
15.5

Climate & Weather in ZIP Code 32550

Climate normals for Miramar Beach CDP, FL show little to no average snow and around 55.4 inches of annual precipitation. Pair that with FEMA NRI hazard context (overall rating Relatively Moderate) when evaluating long-term housing and insurance exposure.

7-day weather forecast

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Sunrise, sunset & moon

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Monthly Temperature

30-year climate normals (avg. monthly temperature)

Climate Data
Hardiness Zone
9b
Annual Snow Days
0
Annual Precipitation
55.35 in
FEMA NRI rating
Relatively Moderate

Climate & Environment key statistics

Climate statistics
Climate
Hardiness zone9b
Annual precip (in)55.35
Snow days0
Broadband access91.9%
Risk & Air Quality statistics
Risk & Air Quality
NRI ratingRelatively Moderate
NRI risk index88.6
Flood risk (NRI)68.3
Wildfire risk (NRI)75.7
Hurricane risk (NRI)97.4
IRS net migration367