Natural hazards · Ludington

Ludington, WI natural hazards

Most of the natural-hazard damage FEMA expects in Ludington comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Ludington?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ludington to be higher than in 41% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding53%Cold waves23%Tornadoes10%Strong wind5%Hail5%Everything else4%

By hazard

What Ludington faces

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

Inland flooding

53% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once every 2 years in the area

Cold waves

23% of expected damage

Below average · higher than 33% of U.S. places

Recorded about 8 times a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 13 years in the area

Strong wind

5% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 3 times a year in the area

Hail

5% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 3 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 Ludington flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Eau Claire County.

Disasters that hit Ludington

Federal disasters declared here

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

Brought FEMA money into LudingtonDeclared for Eau Claire County only

Eau Claire County has had 7 natural disasters declared since 1953, most often floods and severe storms.

Around Ludington

Ludington and the towns around it

Very lowLowModerateHighVery high

Bridge Creekmostly inland floodingHigh

Wilsonmostly inland floodingHigh

Ludingtonmostly inland floodingModerate

Lincolnmostly inland floodingModerate

Seymourmostly inland floodingModerate

Sigelmostly 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. Ludington 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 Ludington’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Ludington. 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.