Natural hazards · La Crosse

La Crosse, IN natural hazards

Most of the natural-hazard damage FEMA expects in La Crosse comes from inland flooding, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is La Crosse?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in La Crosse to be higher than in 61% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding60%Cold waves18%Tornadoes15%Everything else8%

By hazard

What La Crosse faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

60% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 3 years in the area

Cold waves

18% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 15 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does La Crosse flood?

FEMA's records show no paid flood insurance claims in La Crosse.

of homes in flood zones
are insured

of all homes
are insured

No community discount. La Crosse isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: LaPorte County.

Disasters that hit La Crosse

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in La Crosse itself: aid to households, or repair grants to the Town of La Crosse.

Brought FEMA money into La CrosseDeclared for LaPorte County only

2018

Severe Storms and Flooding

2 households applied for aid $2K aid approved

2008

Severe Storms and Flooding

11 households applied for aid $10K aid approved

LaPorte County has had 15 natural disasters declared since 1953, most often severe storms and floods.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. La Crosse is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to La Crosse’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of La Crosse. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

La Crosse, IN natural hazards

How exposed is La Crosse?

What La Crosse faces

Inland flooding

Cold waves

Tornadoes

Lower here

Not a risk here

Does La Crosse flood?

2 federal disasters brought FEMA money here

Severe Storms and Flooding

Severe Storms and Flooding

How to read this page

Where to, neighbor?

Matches

Nearby