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Natural hazards · Monona

Monona, WI natural hazards

Most of the natural-hazard damage FEMA expects in Monona comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 18 claims here since 1993. 7 federal disasters brought FEMA money into town.

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

How exposed is Monona?

18
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monona to be higher than in 18% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding39%Cold waves29%Tornadoes17%Hail6%Heat waves5%Everything else4%
By hazard

What Monona faces

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

Inland flooding

39% of expected damage
Below average · higher than 29% of U.S. places
Recorded about 2 times a year in the area

Cold waves

29% of expected damage
Above average · higher than 55% of U.S. places
Recorded about 6 times a year in the area

Tornadoes

17% of expected damage
Above average · higher than 74% of U.S. places

Hail

6% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about 4 times a year in the area

Heat waves

5% of expected damage
Above average · higher than 73% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Monona flood?

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

18paid claims since 1993
$228Kpaid to owners
1homes flooded more than once
19932026

Biggest named events

  • Storm: 2 claims, $19K
  • Tropical Storm Erin: 1 claim, $1K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Monona isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Dane County.

What’s been done with FEMA grants

7homes raised above flood level
Disasters that hit Monona

7 federal disasters brought FEMA money here

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

Brought FEMA money into MononaDeclared for Dane County only
2018

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

9 households applied for aid $2K aid approved $78K to the City of Monona for repairs
2011

Severe Winter Storm and Snowstorm

$15K to the City of Monona for repairs
2008

Severe Storms, Tornadoes, and Flooding

78 households applied for aid $86K aid approved $54K to the City of Monona for repairs
2008

Record Snow and Near Record Snow

$14K to the City of Monona for repairs
2007

Severe Storms and Flooding

3 households applied for aid $384 aid approved
2000

Snow

$7K to the City of Monona for repairs
2000

Severe Storms, Tornadoes, and Flooding

$17K to the City of Monona for repairs
Dane County has had 17 natural disasters declared since 1953, most often severe storms and winter storms.
Around Monona

Monona and the towns around it

Madison: Very low, mostly inland floodingBlooming Grove: Very low, mostly cold wavesBurke: Very low, mostly inland floodingWestport: Low, mostly inland floodingFitchburg: Very low, mostly inland floodingMiddleton: Low, mostly inland floodingVerona: Very low, mostly inland floodingMiddleton: Very low, mostly inland floodingCottage Grove: Very low, mostly inland floodingMcFarland: Low, mostly inland floodingSun Prairie: Very low, mostly inland floodingVerona: Very low, mostly inland floodingDunn: Low, mostly inland floodingMonona: Very low, mostly inland flooding MononaMadisonBlooming Grove
Very lowLowModerateHighVery high
Mononamostly inland floodingVery low
Madisonmostly inland floodingVery low
Blooming Grovemostly 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. Monona covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Monona’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Monona. 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 Monona total about $2.0M 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.

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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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