Natural hazards · Belmont

Belmont, WI natural hazards

Most of the natural-hazard damage FEMA expects in Belmont comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2010. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Belmont?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Belmont to be higher than in 29% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves41%Inland flooding28%Tornadoes11%Hail10%Strong wind5%Everything else5%

By hazard

What Belmont faces

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

Cold waves

41% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 6 times a year in the area

Inland flooding

28% of expected damage

Below average · higher than 31% of U.S. places

Recorded about once a year in the area

Tornadoes

11% of expected damage

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

Recorded about once every 9 years in the area

Hail

10% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 4 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Belmont flood?

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

1paid claims since 2010

$3Kpaid to owners

0homes flooded more than once

20102026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lafayette County.

Disasters that hit Belmont

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Belmont itself: aid to households, or repair grants to the Village of Belmont.

Brought FEMA money into BelmontDeclared for Lafayette County only

2011

Severe Winter Storm and Snowstorm

$3K to the Village of Belmont for repairs

Lafayette County has had 12 natural disasters declared since 1953, most often severe storms and floods.

Around Belmont

Belmont and the towns around it

Very lowLowModerateHighVery high

Belmontmostly cold wavesLow

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. Belmont 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 Belmont’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Belmont. 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.