Natural hazards · Cedarburg

Cedarburg, WI natural hazards

Most of the natural-hazard damage FEMA expects in Cedarburg comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 6 claims here since 2004. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Cedarburg?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cedarburg to be higher than in 19% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding52%Cold waves27%Tornadoes10%Everything else11%

By hazard

What Cedarburg faces

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

Inland flooding

52% of expected damage

Below average · higher than 40% of U.S. places

Recorded about once a year in the area

Cold waves

27% of expected damage

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

Recorded about 5 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once every 100 years in the area

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 Cedarburg flood?

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

6paid claims since 2004

$117Kpaid to owners

0homes flooded more than once

20042026

Biggest named events

2025-08-MilwaukeeMetro-Flood: 1 claim, $45K
Storm: 1 claim, $3K
March 2019 Midwest Flooding: 1 claim, $42K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ozaukee County.

Disasters that hit Cedarburg

1 federal disaster brought FEMA money here

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

Brought FEMA money into CedarburgDeclared for Ozaukee County only

2000

Snow

$6K to the Town of Cedarburg for repairs

Ozaukee County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Cedarburg

Cedarburg and the towns around it

Very lowLowModerateHighVery high

Mequonmostly inland floodingLow

Cedarburgmostly inland floodingLow

Cedarburgmostly inland floodingVery low

Trentonmostly inland floodingVery low

Graftonmostly inland floodingVery low

Jacksonmostly inland floodingVery low

Graftonmostly 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. Cedarburg covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Cedarburg’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Cedarburg. 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 Cedarburg total about $2.3M 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.