Natural hazards · Cady

Cady, WI natural hazards

Most of the natural-hazard damage FEMA expects in Cady comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Cady?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cady to be higher than in 30% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding51%Tornadoes17%Cold waves12%Strong wind10%Hail6%Everything else5%

By hazard

What Cady faces

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

Inland flooding

51% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

17% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 14 years in the area

Cold waves

12% of expected damage

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

Recorded about 9 times a year in the area

Strong wind

10% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 3 times a year in the area

Hail

6% of expected damage

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

Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Cady flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Cady 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 Cady

Federal disasters declared here

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

Brought FEMA money into CadyDeclared for St. Croix County only

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

Around Cady

Cady and the towns around it

Very lowLowModerateHighVery high

Spring Valleymostly inland floodingHigh

Spring Lakemostly inland floodingHigh

Lucasmostly inland floodingModerate

Cadymostly inland floodingLow

Eau Gallemostly inland floodingLow

Springfieldmostly 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. Cady 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 Cady’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Cady. 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.