Flood insurance claims in La Crosse County, Wisconsin

FEMA records 215 National Flood Insurance Program claims in La Crosse County, Wisconsin, since 1978, with $1.2 million paid in total. The year with the most claims was 2001, with 59. As of 3 August 2026, 1.2% of homes here had an NFIP policy, and 31.4% of homes in the high-risk flood zone did.

NFIP claims on record215

Total paid$1.2 million

Claims with a payment137

Homes with NFIP policy1.2%

High-risk zone homes insured31.4%

Residential policies in force408

Claims by year of loss

NFIP claims by year of loss, La Crosse County, Wisconsin

Paid on claims by year of loss (building, contents and increased cost of compliance), La Crosse County, Wisconsin

Named flood events with the most claims

Event (FEMA name)	Claims
Severe flooding	52
March 2019 Midwest Flooding	9
Flooding	8
Storm	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
54603	143
54601	41
54650	19
54658	8
54669	2
54644	1
54659	1

165 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.2 million, contents $31,639, increased cost of compliance $15,000.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	956	300	31.4%
All homes	34,258	408	1.2%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.