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Natural hazards · Lodi

Lodi, WI natural hazards

Most of the natural-hazard damage FEMA expects in Lodi comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 8 claims here since 1986. 5 federal disasters brought FEMA money into town.

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

How exposed is Lodi?

87
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lodi to be higher than in 87% of U.S. communities, mostly from inland flooding and hail.

Inland flooding46%Hail35%Cold waves8%Tornadoes6%Everything else6%
By hazard

What Lodi faces

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

Inland flooding

46% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about 2 times a year in the area

Hail

35% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 4 times a year in the area

Cold waves

8% of expected damage
Below average · higher than 34% of U.S. places
Recorded about 6 times a year in the area

Tornadoes

6% of expected damage
Above average · higher than 72% of U.S. places
Recorded about once every 28 years 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 Lodi flood?

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

8paid claims since 1986
$106Kpaid to owners
0homes flooded more than once
19862026

Biggest named events

  • March 2019 Midwest Flooding: 4 claims, $96K
  • Storm: 1 claim, $1K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Lodi isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Columbia County.
Disasters that hit Lodi

5 federal disasters brought FEMA money here

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

Brought FEMA money into LodiDeclared for Columbia County only
2008

Severe Storms, Tornadoes, and Flooding

46 households applied for aid $51K aid approved $49K to the City of Lodi for repairs
2007

Severe Storms and Flooding

21 households applied for aid $14K aid approved
2004

Severe Storms and Flooding

4 households applied for aid $1K aid approved
2000

Snow

$5K to the City of Lodi for repairs
2000

Severe Storms, Tornadoes, and Flooding

$3K to the City of Lodi for repairs
Columbia County has had 9 natural disasters declared since 1953, most often severe storms and hurricanes.
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. Lodi is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Lodi’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lodi. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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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