Natural hazards · Florence

Florence, WI natural hazards

Most of the natural-hazard damage FEMA expects in Florence comes from cold waves, and overall the risk is very low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Florence?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Florence to be higher than in 4% of U.S. communities, mostly from cold waves.

Cold waves92%Inland flooding6%Everything else3%

By hazard

What Florence faces

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

Cold waves

92% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 8 times a year in the area

Inland flooding

6% of expected damage

Well below average · higher than 10% of U.S. places

Recorded about once every 4 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Florence flood?

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

of all homes
are insured

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

Insurance rates: Florence County.

Disasters that hit Florence

1 federal disaster brought FEMA money here

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

Brought FEMA money into FlorenceDeclared for Florence County only

1999

Wi-Flood-07/20/99

$115K to the Town of Florence for repairs

Florence County has had 4 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Florence

Florence and the towns around it

Very lowLowModerateHighVery high

Breitungmostly cold wavesLow

Auroramostly cold wavesLow

Fernmostly cold wavesLow

Long Lakemostly cold wavesLow

Fencemostly cold wavesLow

Commonwealthmostly cold wavesVery low

Stambaughmostly cold wavesVery low

Mastodonmostly cold wavesVery low

Florencemostly cold wavesVery low

Tiplermostly cold wavesVery 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. Florence covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Florence’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Florence. 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 Florence total about $4.6M 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.