Natural hazards · Concord

Concord, WI natural hazards

Most of the natural-hazard damage FEMA expects in Concord comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 1979. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Concord?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Concord to be higher than in 33% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding53%Tornadoes16%Cold waves15%Hail7%Everything else9%

By hazard

What Concord faces

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

Inland flooding

53% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

16% of expected damage

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

Recorded about once every 26 years in the area

Cold waves

15% of expected damage

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

Recorded about 5 times a year in the area

Hail

7% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce 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 Concord flood?

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

1paid claims since 1979

$215paid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jefferson County.

Disasters that hit Concord

1 federal disaster brought FEMA money here

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

Brought FEMA money into ConcordDeclared for Jefferson County only

2008

Record Snow and Near Record Snow

$6K to the Town of Concord for repairs

Jefferson County has had 12 natural disasters declared since 1953, most often severe storms and floods.

Around Concord

Concord and the towns around it

Very lowLowModerateHighVery high

Oconomowocmostly inland floodingModerate

Farmingtonmostly inland floodingLow

Summitmostly inland floodingLow

Concordmostly inland floodingLow

Sullivanmostly inland floodingLow

Ixoniamostly 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. Concord covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Concord’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Concord. 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 Concord total about $2.0M 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.