Natural hazards · Caledonia

Caledonia, WI natural hazards

Most of the natural-hazard damage FEMA expects in Caledonia comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 2020. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Caledonia?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Caledonia to be higher than in 10% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding45%Cold waves26%Tornadoes17%Everything else13%

By hazard

What Caledonia faces

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

Inland flooding

45% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 2 times a year in the area

Cold waves

26% of expected damage

Below average · higher than 33% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

17% of expected damage

Above average · higher than 64% of U.S. places

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Caledonia flood?

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

3paid claims since 2020

$23Kpaid to owners

0homes flooded more than once

20202026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Racine County.

Disasters that hit Caledonia

6 federal disasters brought FEMA money here

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

Brought FEMA money into CaledoniaDeclared for Racine County only

2026

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $7K aid approved

2011

Severe Winter Storm and Snowstorm

$70K to the Village of Caledonia for repairs

2008

Severe Storms, Tornadoes, and Flooding

21 households applied for aid $113K aid approved $168K to the Village of Caledonia for repairs

2008

Record Snow and Near Record Snow

$35K to the Village of Caledonia for repairs

2007

Severe Storms and Flooding

1 household applied for aid

2000

Snow

$22K to the Village of Caledonia for repairs

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

Around Caledonia

Caledonia and the towns around it

Very lowLowModerateHighVery high

Racinemostly inland floodingVery low

Mount Pleasantmostly inland floodingVery low

Caledoniamostly inland floodingVery low

Oak Creekmostly cold wavesVery low

Raymondmostly inland floodingVery low

Wind Pointmostly inland floodingVery low

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. Caledonia covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Caledonia’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Caledonia. 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 Caledonia total about $5.9M 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.