Flood Claims Map

Wisconsin

Flood insurance claims in St. Croix County, Wisconsin

FEMA records 74 National Flood Insurance Program claims in St. Croix County, Wisconsin, since 1982, with $1.5 million paid in total. The year with the most claims was 2020, with 18. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 17.3% of homes in the high-risk flood zone did.

NFIP claims on record74
Total paid$1.5 million
Claims with a payment49
Homes with NFIP policy0.4%
High-risk zone homes insured17.3%
Residential policies in force95

Claims by year of loss

1982: 119821983: 01984: 01985: 01986: 219861987: 11988: 01989: 31990: 019901991: 01992: 01993: 01994: 119941995: 41996: 21997: 61998: 119981999: 02000: 12001: 72002: 120022003: 02004: 02005: 02006: 020062007: 02008: 02009: 12010: 320102011: 12012: 02013: 22014: 720142015: 02016: 12017: 02018: 020182019: 72020: 182021: 02022: 120222023: 318

NFIP claims by year of loss, St. Croix County, Wisconsin

1982: $019821983: $01984: $01985: $01986: $20,68519861987: $01988: $01989: $8,0291990: $019901991: $01992: $01993: $01994: $019941995: $351,4871996: $01997: $41,8831998: $1,43619981999: $02000: $02001: $202,9332002: $9,76020022003: $02004: $02005: $02006: $020062007: $02008: $02009: $02010: $020102011: $02012: $02013: $1,1262014: $30,04420142015: $02016: $25,4762017: $02018: $020182019: $49,6302020: $700,9102021: $02022: $72,10020222023: $20,442$700,910

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

Named flood events with the most claims

Event (FEMA name)Claims
Severe flooding6
March 2019 Midwest Flooding3
Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
5401720
5401617
5400211
540237
540226
540254
540153
540822
540282
540132

30 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.4 million, contents $88,028, increased cost of compliance $19,604.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3706417.3%
All homes25,574950.4%

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.