Flood Claims Map

Wisconsin

Flood insurance claims in Ozaukee County, Wisconsin

FEMA records 352 National Flood Insurance Program claims in Ozaukee County, Wisconsin, since 1979, with $3.9 million paid in total. The year with the most claims was 2008, with 97. As of 3 August 2026, 1.5% of homes here had an NFIP policy, and 44.6% of homes in the high-risk flood zone did.

NFIP claims on record352
Total paid$3.9 million
Claims with a payment255
Homes with NFIP policy1.5%
High-risk zone homes insured44.6%
Residential policies in force362

Claims by year of loss

1979: 519791980: 21981: 31982: 31983: 119831984: 01985: 11986: 251987: 019871988: 01989: 101990: 01991: 019911992: 01993: 51994: 01995: 119951996: 221997: 381998: 01999: 519992000: 42001: 32002: 12003: 020032004: 422005: 02006: 02007: 320072008: 972009: 22010: 22011: 120112012: 02013: 72014: 32015: 020152016: 12017: 12018: 82019: 2620192020: 22021: 12022: 02023: 020232024: 12025: 222026: 497

NFIP claims by year of loss, Ozaukee County, Wisconsin

1979: $5,49419791980: $01981: $1,1731982: $1,3161983: $87519831984: $01985: $01986: $81,7181987: $019871988: $01989: $48,7701990: $01991: $019911992: $01993: $7,4241994: $01995: $019951996: $61,8791997: $293,9001998: $01999: $40,76919992000: $9,1502001: $3,0252002: $02003: $020032004: $271,9992005: $02006: $02007: $18,09920072008: $1.5 million2009: $02010: $7,7762011: $9,03620112012: $02013: $42,3532014: $12,6782015: $020152016: $02017: $02018: $401,1182019: $614,36720192020: $19,2272021: $11,4412022: $02023: $020232024: $18,6862025: $414,0892026: $19,306$1.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding54
Storm53
March 2019 Midwest Flooding22
2025-08-MilwaukeeMetro-Flood21
2026-04-Flooding4

ZIP codes with the most claims

ZIP code (as reported)Claims
53092235
5308046
5301220
5302414
5309713
530219
530046
530746
530132

260 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.6 million, contents $313,189, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone52023244.6%
All homes24,9173621.5%

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

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

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.