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Natural hazards · Lake Mills

Lake Mills, WI natural hazards

Most of the natural-hazard damage FEMA expects in Lake Mills comes from inland flooding, and overall the risk is very low for a U.S. community. 5 federal disasters brought FEMA money into town.

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

How exposed is Lake Mills?

17
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Mills to be higher than in 17% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding40%Tornadoes21%Cold waves20%Hail8%Everything else11%
By hazard

What Lake Mills faces

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

Inland flooding

40% of expected damage
Well below average · higher than 22% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

21% of expected damage
Well above average · higher than 83% of U.S. places

Cold waves

20% of expected damage
Below average · higher than 33% of U.S. places
Recorded about 5 times a year in the area

Hail

8% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 4 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 Lake Mills flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Lake Mills isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jefferson County.
Disasters that hit Lake Mills

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Lake Mills itself: aid to households, or repair grants to the City of Lake Mills.

Brought FEMA money into Lake MillsDeclared for Jefferson County only
2026

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $300 aid approved
2008

Severe Storms, Tornadoes, and Flooding

34 households applied for aid $36K aid approved
2008

Record Snow and Near Record Snow

$12K to the City of Lake Mills for repairs
2007

Severe Storms and Flooding

42 households applied for aid $46K aid approved
2004

Severe Storms and Flooding

1 household applied for aid $1K aid approved
Jefferson County has had 12 natural disasters declared since 1953, most often severe storms and floods.
Around Lake Mills

Lake Mills and the towns around it

Lake Mills: Low, mostly inland floodingAztalan: Low, mostly inland floodingMilford: Low, mostly inland floodingDeerfield: Very low, mostly inland floodingWaterloo: Low, mostly inland floodingOakland: Low, mostly inland floodingJefferson: High, mostly inland floodingJohnson Creek: Low, mostly inland floodingFarmington: Low, mostly inland floodingJefferson: Low, mostly inland floodingWatertown: Low, mostly inland floodingShields: Very low, mostly inland floodingLake Mills: Very low, mostly inland flooding Lake MillsLake MillsAztalanMilford
Very lowLowModerateHighVery high
Aztalanmostly inland floodingLow
Milfordmostly inland floodingLow
Lake Millsmostly inland floodingLow
Lake Millsmostly 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. Lake Mills covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Lake Mills’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lake Mills. 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 Lake Mills total about $2.5M 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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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