Natural hazards · Gratiot

Gratiot, WI natural hazards

Most of the natural-hazard damage FEMA expects in Gratiot comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2019. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Gratiot?

Low

vs. U.S. communities

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

Cold waves40%Inland flooding27%Hail12%Tornadoes10%Strong wind6%Everything else5%

By hazard

What Gratiot faces

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

Cold waves

40% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 6 times a year in the area

Inland flooding

27% of expected damage

Below average · higher than 36% of U.S. places

Recorded about once a year in the area

Hail

12% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 6 years in the area

Strong wind

6% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Gratiot flood?

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

1paid claims since 2019

$7Kpaid to owners

0homes flooded more than once

20192026

Biggest named events

March 2019 Midwest Flooding: 1 claim, $7K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lafayette County.

Disasters that hit Gratiot

5 federal disasters brought FEMA money here

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

Brought FEMA money into GratiotDeclared for Lafayette County only

2017

Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mud

$12K to the Village of Gratiot for repairs

2011

Severe Winter Storm and Snowstorm

$6K to the Village of Gratiot for repairs

2008

Severe Storms, Tornadoes, and Flooding

$5K to the Village of Gratiot for repairs

2004

Severe Storms and Flooding

1 household applied for aid $2K aid approved

2000

Severe Storms, Tornadoes, and Flooding

$24K to the Village of Gratiot for repairs

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

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. Gratiot is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Gratiot’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Gratiot. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.

Gratiot, WI natural hazards

How exposed is Gratiot?

What Gratiot faces

Cold waves

Inland flooding

Hail

Tornadoes

Strong wind

Lower here

Not a risk here

Does Gratiot flood?

Biggest named events

5 federal disasters brought FEMA money here

Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mud

Severe Winter Storm and Snowstorm

Severe Storms, Tornadoes, and Flooding

Severe Storms and Flooding

Severe Storms, Tornadoes, and Flooding

How to read this page

Where to, neighbor?

Matches

Nearby