Natural hazards · Lima

Lima, WI natural hazards

Most of the natural-hazard damage FEMA expects in Lima comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 21 claims here since 1982.

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

Expected damage

How exposed is Lima?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lima to be higher than in 39% of U.S. communities, mostly from inland flooding.

Inland flooding50%Cold waves15%Tornadoes14%Strong wind10%Hail7%Everything else5%

By hazard

What Lima faces

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

Inland flooding

50% of expected damage

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

Recorded about once every 2 years in the area

Cold waves

15% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 8 times a year in the area

Tornadoes

14% of expected damage

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

Recorded about once every 19 years in the area

Strong wind

10% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 4 times a year in the area

Hail

7% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Lima flood?

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

21paid claims since 1982

$219Kpaid to owners

0homes flooded more than once

19822026

Biggest named events

Severe flooding: 2 claims, $34K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Pepin County.

Disasters that hit Lima

Federal disasters declared here

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

Brought FEMA money into LimaDeclared for Pepin County only

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

Around Lima

Lima and the towns around it

Very lowLowModerateHighVery high

Cantonmostly inland floodingModerate

Perumostly inland floodingModerate

Limamostly inland floodingLow

Durandmostly inland floodingLow

Albanymostly inland floodingLow

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. Lima covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lima’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Lima. 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 Lima total about $2.1M 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.