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Natural hazards · Holmen

Holmen, WI natural hazards

Most of the natural-hazard damage FEMA expects in Holmen comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims 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 Holmen?

32
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Holmen to be higher than in 32% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves37%Inland flooding35%Tornadoes12%Heat waves7%Hail6%Everything else4%
By hazard

What Holmen faces

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

Cold waves

37% of expected damage
Below average · higher than 43% of U.S. places
Recorded about 7 times a year in the area

Inland flooding

35% of expected damage
Below average · higher than 46% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

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

Heat waves

7% of expected damage
Above average · higher than 72% of U.S. places
Recorded about 4 times a year in the area

Hail

6% of expected damage
Well above average · higher than 92% 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 Holmen flood?

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

2paid claims since 2019
$14Kpaid to owners
0homes flooded more than once
20192026

Biggest named events

  • March 2019 Midwest Flooding: 2 claims, $14K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Holmen 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 Holmen

5 federal disasters brought FEMA money here

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

Brought FEMA money into HolmenDeclared for La Crosse County only
2018

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

1 household applied for aid
2017

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

$40K to the Village of Holmen for repairs
2016

Severe Storms, Flooding, and Mudslides

$11K to the Village of Holmen for repairs
2007

Severe Storms and Flooding

10 households applied for aid $6K aid approved
2004

Severe Storms and Flooding

1 household applied for aid $2K aid approved
La Crosse County has had 16 natural disasters declared since 1953, most often severe storms and floods.
Around Holmen

Holmen and the towns around it

Onalaska: Low, mostly cold wavesHolland: Low, mostly cold wavesOnalaska: Very low, mostly cold wavesNew Hartford: High, mostly inland floodingRichmond: High, mostly inland floodingCampbell: Very low, mostly inland floodingHamilton: Low, mostly inland floodingLa Crosse: Low, mostly cold wavesMedary: Low, mostly inland floodingFarmington: Moderate, mostly inland floodingCaledonia: Moderate, mostly inland floodingGale: Moderate, mostly inland floodingHolmen: Low, mostly cold waves HolmenOnalaskaHollandOnalaska
Very lowLowModerateHighVery high
Holmenmostly cold wavesLow
Hollandmostly cold wavesLow
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. Holmen covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Holmen’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Holmen. 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 Holmen total about $2.2M 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.

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