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 low for a U.S. community. Flood insurance has paid 4 claims here since 1986. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cedarburg?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cedarburg to be higher than in 21% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves30%Tornadoes11%Everything else10%

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

49% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once a year in the area

Cold waves

30% of expected damage

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

Recorded about 5 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 58% 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 Cedarburg flood?

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

4paid claims since 1986

$6Kpaid to owners

0homes flooded more than once

19862026

Biggest named events

2025-08-MilwaukeeMetro-Flood: 1 claim, $3K

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

3 federal disasters brought FEMA money here

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

Brought FEMA money into CedarburgDeclared for Ozaukee County only

2008

Severe Storms, Tornadoes, and Flooding

10 households applied for aid $4K aid approved

2004

Severe Storms and Flooding

13 households applied for aid $19K aid approved $25K to the City of Cedarburg for repairs

2000

Snow

$10K to the City 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

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 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Cedarburg’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City 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 $4.7M 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.