Natural disaster risk FEMA

Wisconsin natural disaster risk

Wisconsin ranks #21 of 51 from safest. Its biggest relative risks are cold wave, hail, tornado.

Risk score
78.6
Above average for U.S. counties
Expected loss per resident
$440
per year, all hazards
Home insurance (median)
$1,128
per year with a mortgage, ACS 2024
Highest relative risks in Wisconsin (national percentile)
Higher risk than most U.S. counties
Cold wave93
Hail88
Tornado84
Riverine flooding79
Heat wave74
Strong wind72

The vertical line marks the middle of U.S. counties (50).

Risk in Wisconsin's largest counties

CountyPopulationRisk scoreFEMA rating
Milwaukee County926,33198.4Relatively High
Dane County572,67493.9Relatively Moderate
Waukesha County411,76288.9Relatively Moderate
Brown County270,89290.0Relatively Moderate
Racine County197,53285.4Relatively Moderate
Outagamie County192,82679.7Relatively Low
Winnebago County171,76986.8Relatively Moderate
Kenosha County168,43885.0Relatively Moderate
Rock County164,35086.4Relatively Moderate
Marathon County138,40387.2Relatively Moderate
Washington County137,87968.3Relatively Low
La Crosse County120,48880.5Relatively Low
Sheboygan County117,99170.2Relatively Low
Eau Claire County107,11678.3Relatively Low
Walworth County105,65774.8Relatively Low
Fond du Lac County104,13776.3Relatively Low
St. Croix County96,03364.1Relatively Low
Ozaukee County92,96650.3Relatively Low
Dodge County88,74269.9Relatively Low
Jefferson County86,00375.8Relatively Low
Manitowoc County81,40668.9Relatively Low
Wood County74,00475.9Relatively Low
Portage County70,83262.7Relatively Low
Chippewa County66,79967.3Relatively Low
Sauk County66,00972.1Relatively Low

County scores are averages, and the insurance figure above is what owners with a mortgage reported paying in 2024 (Census American Community Survey); premiums have risen since, especially in high-risk areas. For a specific home, check the address on FEMA's flood map and get insurance quotes before you commit. Our guide explains how to check natural disaster risk before you move.

Lowest-risk counties in Wisconsin

Cities in Wisconsin

Frequently asked questions

Is Wisconsin safe from natural disasters?

Wisconsin's population-weighted FEMA risk score is 78.6 out of 100 (above average for U.S. counties), #21 of 51 from safest. About 16% of residents live in counties FEMA rates relatively high or very high.

What natural disasters happen in Wisconsin?

The highest relative risks in Wisconsin are cold wave, hail, tornado (national percentile scores 93, 88, 84).

Where is the safest place to live in Wisconsin?

Among counties with at least 20,000 people, the lowest FEMA risk scores are in Kewaunee County, Iowa County, Calumet County.