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.

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 27% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding51%Cold waves16%Tornadoes16%Hail8%Everything else9%

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

51% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once a year in the area

Cold waves

16% of expected damage

Below average · higher than 33% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once every 17 years in the area

Hail

8% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesIce 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 Herman flood?

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

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: Dodge County.

Disasters that hit Herman

Federal disasters declared here

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

Brought FEMA money into HermanDeclared for Dodge County only

Dodge County has had 11 natural disasters declared since 1953, most often severe storms and winter storms.

Around Herman

Herman and the towns around it

Very lowLowModerateHighVery high

Hermanmostly inland floodingLow

Hubbardmostly inland floodingLow

Iron Ridgemostly inland floodingLow

Addisonmostly inland floodingVery low

Theresamostly 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 1 census tract, combined by population.

Money that reached townFlood claims are matched to Herman’s own flood-insurance community; 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 $1.9M 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.