Natural hazards · Lone Rock

Lone Rock, WI natural hazards

Most of the natural-hazard damage FEMA expects in Lone Rock comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2008. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lone Rock?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lone Rock to be higher than in 66% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding58%Cold waves17%Tornadoes8%Hail7%Everything else10%

By hazard

What Lone Rock faces

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

Inland flooding

58% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once a year in the area

Cold waves

17% of expected damage

Below average · higher than 34% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 11 years in the area

Hail

7% of expected damage

Well above average · higher than 93% 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 Lone Rock flood?

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

1paid claims since 2008

$5Kpaid to owners

0homes flooded more than once

20082026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Richland County.

Disasters that hit Lone Rock

4 federal disasters brought FEMA money here

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

Brought FEMA money into Lone RockDeclared for Richland County only

2018

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

1 household applied for aid

2008

Severe Storms, Tornadoes, and Flooding

194 households applied for aid $563K aid approved $107K to the Village of Lone Rock for repairs

2007

Severe Storms and Flooding

19 households applied for aid $14K aid approved

2004

Severe Storms and Flooding

1 household applied for aid $613 aid approved

Richland County has had 17 natural disasters declared since 1953, most often severe storms and floods.

Around Lone Rock

Lone Rock and the towns around it

Very lowLowModerateHighVery high

Lone Rockmostly inland floodingHigh

Buena Vistamostly inland floodingHigh

Spring Greenmostly inland floodingModerate

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. Lone Rock 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 Lone Rock’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Lone Rock. 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.