Natural hazards · Herman

Herman, WI natural hazards

Most of the natural-hazard damage FEMA expects in Herman comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2013.

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

Expected damage

How exposed is Herman?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Herman to be higher than in 28% of U.S. communities, mostly from inland flooding.

Inland flooding61%Cold waves15%Tornadoes14%Hail6%Everything else5%

By hazard

What Herman faces

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

Inland flooding

61% of expected damage

Below average · higher than 49% of U.S. places

Recorded about once a year in the area

Cold waves

15% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

14% of expected damage

Above average · higher than 69% of U.S. places

Hail

6% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 2 times a year in the area

Lower here

Coastal floodingHurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Herman flood?

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

1paid claims since 2013

$78Kpaid to owners

0homes flooded more than once

20132026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Sheboygan County.

Disasters that hit Herman

Federal disasters declared here

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

Brought FEMA money into HermanDeclared for Sheboygan County only

Sheboygan County has had 9 natural disasters declared since 1953, most often severe storms and floods.

Around Herman

Herman and the towns around it

Very lowLowModerateHighVery high

Hermanmostly inland floodingLow

Meememostly inland floodingVery low

Moselmostly inland floodingVery low

Rhinemostly inland floodingVery low

Sheboygan Fallsmostly inland floodingVery 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. Herman covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Herman’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Herman. 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 Herman total about $2.7M 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.