Natural hazards · Harmony

Harmony, WI natural hazards

Most of the natural-hazard damage FEMA expects in Harmony comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2020.

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

Expected damage

How exposed is Harmony?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harmony to be higher than in 57% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding60%Tornadoes16%Cold waves13%Everything else11%

By hazard

What Harmony faces

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

Inland flooding

60% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

16% of expected damage

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

Recorded about once every 74 years in the area

Cold waves

13% of expected damage

Below average · higher than 30% of U.S. places

Recorded about 5 times a year in the area

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 Harmony flood?

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

1paid claims since 2020

$5Kpaid to owners

0homes flooded more than once

20202026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Rock County.

Disasters that hit Harmony

Federal disasters declared here

None of the disasters declared for Rock County shows FEMA aid or repair money reaching Harmony itself in FEMA’s records.

Brought FEMA money into HarmonyDeclared for Rock County only

Rock County has had 14 natural disasters declared since 1953, most often severe storms and floods.

Around Harmony

Harmony and the towns around it

Very lowLowModerateHighVery high

Harmonymostly inland floodingModerate

Janesvillemostly inland floodingModerate

Johnstownmostly inland floodingModerate

Miltonmostly inland floodingModerate

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. Harmony covers 1 census tract, combined by population.

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