Natural hazards · Medary

Medary, WI natural hazards

Most of the natural-hazard damage FEMA expects in Medary comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2007. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Medary?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Medary to be higher than in 30% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding38%Cold waves33%Tornadoes12%Hail7%Heat waves6%Everything else4%

By hazard

What Medary faces

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

Inland flooding

38% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 2 times a year in the area

Cold waves

33% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 7 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 93 years in the area

Hail

7% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 4 times a year in the area

Heat waves

6% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

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 Medary flood?

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

1paid claims since 2007

$2Kpaid to owners

0homes flooded more than once

20072026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: La Crosse County.

Disasters that hit Medary

2 federal disasters brought FEMA money here

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

Brought FEMA money into MedaryDeclared for La Crosse County only

2017

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

$39K to the Town of Medary for repairs

2008

Severe Storms, Tornadoes, and Flooding

$19K to the Town of Medary for repairs

La Crosse County has had 16 natural disasters declared since 1953, most often severe storms and floods.

Around Medary

Medary and the towns around it

Very lowLowModerateHighVery high

Shelbymostly inland floodingHigh

Barremostly inland floodingModerate

Medarymostly inland floodingLow

Hamiltonmostly inland floodingLow

Onalaskamostly cold wavesLow

La Crossemostly cold wavesLow

Onalaskamostly cold wavesVery 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. Medary covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Medary’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Medary. 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 Medary total about $1.8M 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.