Natural hazards · Beloit

Beloit, WI natural hazards

Most of the natural-hazard damage FEMA expects in Beloit comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 21 claims here since 1979. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Beloit?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Beloit to be higher than in 51% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding47%Cold waves21%Tornadoes18%Everything else14%

By hazard

What Beloit faces

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

Inland flooding

47% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 2 times a year in the area

Cold waves

21% of expected damage

Below average · higher than 30% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

18% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Beloit flood?

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

21paid claims since 1979

$153Kpaid to owners

2homes flooded more than once

19792026

Biggest named events

Storm: 1 claim, $648

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. Beloit isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Rock County.

Disasters that hit Beloit

6 federal disasters brought FEMA money here

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

Brought FEMA money into BeloitDeclared for Rock County only

2026

Severe Storms, Tornadoes, and Flooding

140 households applied for aid $219K aid approved $8K to the City of Beloit for repairs

2008

Severe Storms, Tornadoes, and Flooding

218 households applied for aid $269K aid approved $273K to the City of Beloit for repairs

2008

Record Snow and Near Record Snow

$87K to the City of Beloit for repairs

2007

Severe Storms and Flooding

35 households applied for aid $49K aid approved

2004

Severe Storms and Flooding

4 households applied for aid $4K aid approved

2000

Snow

$39K to the City of Beloit for repairs

Rock County has had 14 natural disasters declared since 1953, most often severe storms and floods.

Around Beloit

Beloit and the towns around it

Very lowLowModerateHighVery high

Turtlemostly inland floodingModerate

Beloitmostly inland floodingModerate

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. Beloit covers 8 census tracts, combined by population.

Money that reached townFlood claims are matched to Beloit’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Beloit. 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 Beloit total about $10.6M 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.