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Natural hazards · Hamilton

Hamilton, WI natural hazards

Most of the natural-hazard damage FEMA expects in Hamilton comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 2014. 2 federal disasters brought FEMA money into town.

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

How exposed is Hamilton?

23
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hamilton to be higher than in 23% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding39%Cold waves31%Tornadoes12%Hail8%Heat waves6%Everything else4%
By hazard

What Hamilton faces

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

Inland flooding

39% of expected damage
Below average · higher than 33% of U.S. places
Recorded about 2 times a year in the area

Cold waves

31% of expected damage
Below average · higher than 43% of U.S. places
Recorded about 7 times a year in the area

Tornadoes

12% of expected damage
Above average · higher than 73% of U.S. places

Hail

8% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about 4 times a year in the area

Heat waves

6% of expected damage
Above average · higher than 72% of U.S. places
Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Hamilton flood?

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

3paid claims since 2014
$19Kpaid to owners
0homes flooded more than once
20142026

Biggest named events

  • March 2019 Midwest Flooding: 1 claim, $9K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Hamilton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: La Crosse County.
Disasters that hit Hamilton

2 federal disasters brought FEMA money here

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

Brought FEMA money into HamiltonDeclared for La Crosse County only
2017

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

$49K to the Town of Hamilton for repairs
2008

Severe Storms, Tornadoes, and Flooding

$42K to the Town of Hamilton for repairs
La Crosse County has had 16 natural disasters declared since 1953, most often severe storms and floods.
Around Hamilton

Hamilton and the towns around it

Farmington: Moderate, mostly inland floodingOnalaska: Very low, mostly cold wavesOnalaska: Low, mostly cold wavesBarre: Moderate, mostly inland floodingBurns: High, mostly inland floodingMedary: Low, mostly inland floodingBangor: Moderate, mostly inland floodingGale: Moderate, mostly inland floodingHolland: Low, mostly cold wavesNorth Bend: High, mostly inland floodingLa Crosse: Low, mostly cold wavesHolmen: Low, mostly cold wavesNew Hartford: High, mostly inland floodingRichmond: High, mostly inland floodingCampbell: Very low, mostly inland floodingGreenfield: Moderate, mostly inland floodingBangor: High, mostly inland floodingRockland: High, mostly inland floodingSparta: Moderate, mostly inland floodingLittle Falls: Moderate, mostly inland floodingShelby: High, mostly inland floodingLeon: Moderate, mostly inland floodingWashington: Moderate, mostly inland floodingHamilton: Low, mostly inland flooding HamiltonFarmingtonOnalaskaOnalaskaBarreBurnsMedaryBangor
Very lowLowModerateHighVery high
Burnsmostly inland floodingHigh
Farmingtonmostly inland floodingModerate
Barremostly inland floodingModerate
Bangormostly inland floodingModerate
Medarymostly inland floodingLow
Hamiltonmostly inland floodingLow
Onalaskamostly cold wavesLow
Onalaskamostly 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. Hamilton covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Hamilton’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Hamilton. 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 Hamilton total about $2.9M 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.

The door’s open

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You’re in Hamilton, WILa Crosse CountyView boundary

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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