Natural hazards · Montpelier

Montpelier, WI natural hazards

Most of the natural-hazard damage FEMA expects in Montpelier comes from inland flooding, and overall the risk is very low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Montpelier?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Montpelier to be higher than in 2% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding44%Cold waves27%Tornadoes13%Hail7%Everything else9%

By hazard

What Montpelier faces

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

Inland flooding

44% of expected damage

Well below average · higher than 7% of U.S. places

Recorded about once a year in the area

Cold waves

27% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

13% of expected damage

Above average · higher than 62% of U.S. places

Recorded about once every 45 years in the area

Hail

7% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingHurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Montpelier flood?

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

of all homes
are insured

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

Insurance rates: Kewaunee County.

Disasters that hit Montpelier

1 federal disaster brought FEMA money here

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

Brought FEMA money into MontpelierDeclared for Kewaunee County only

2000

Snow

$1K to the Town of Montpelier for repairs

Kewaunee County has had 6 natural disasters declared since 1953, most often floods and hurricanes.

Around Montpelier

Montpelier and the towns around it

Very lowLowModerateHighVery high

Eatonmostly inland floodingVery low

Montpeliermostly inland floodingVery low

West Kewauneemostly inland floodingVery low

Luxemburgmostly inland floodingVery low

Franklinmostly inland floodingVery 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. Montpelier 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 Montpelier’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Montpelier. 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.