Natural hazards · Baldwin

Baldwin, WI natural hazards

Most of the natural-hazard damage FEMA expects in Baldwin comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 2014.

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

Expected damage

How exposed is Baldwin?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Baldwin to be higher than in 26% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding37%Tornadoes27%Cold waves14%Strong wind12%Hail6%Everything else5%

By hazard

What Baldwin faces

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

Inland flooding

37% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

27% of expected damage

Well above average · higher than 92% of U.S. places

Cold waves

14% of expected damage

Below average · higher than 26% of U.S. places

Recorded about 9 times a year in the area

Strong wind

12% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 5 times a year in the area

Hail

6% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 6 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLightningDrought

Not a risk here

Coastal floodingHurricanesLandslidesAvalanchesTsunamisVolcanic 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 Baldwin flood?

Every paid claim on a federal flood insurance policy in Baldwin, from FEMA’s records.

5paid claims since 2014

$226Kpaid to owners

1homes flooded more than once

20142026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Croix County.

Disasters that hit Baldwin

Federal disasters declared here

None of the disasters declared for St. Croix County shows FEMA aid or repair money reaching Baldwin itself in FEMA’s records.

Brought FEMA money into BaldwinDeclared for St. Croix County only

St. Croix County has had 9 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Baldwin

Baldwin and the towns around it

Very lowLowModerateHighVery high

Rush Rivermostly inland floodingLow

Eau Gallemostly inland floodingLow

Baldwinmostly inland floodingLow

Hammondmostly inland floodingLow

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. Baldwin covers 1 census tract, combined by population.

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

FEMA’s expected losses across Baldwin total about $1.3M a year, counting buildings, people and crops.

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.