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Natural hazards · North Freedom

North Freedom, WI natural hazards

Most of the natural-hazard damage FEMA expects in North Freedom comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 2008. 6 federal disasters brought FEMA money into town.

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

How exposed is North Freedom?

68
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Freedom to be higher than in 68% of U.S. communities, mostly from inland flooding.

Inland flooding63%Cold waves15%Tornadoes10%Hail6%Everything else6%
By hazard

What North Freedom faces

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

Inland flooding

63% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about 2 times a year in the area

Cold waves

15% of expected damage
Below average · higher than 35% of U.S. places
Recorded about 6 times a year in the area

Tornadoes

10% of expected damage
Well above average · higher than 75% of U.S. places
Recorded about once every 16 years in the area

Hail

6% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about 3 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 North Freedom flood?

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

4paid claims since 2008
$257Kpaid to owners
0homes flooded more than once
20082026

Biggest named events

  • Storm: 1 claim, $141K
of homes in flood zones
are insured
of all homes
are insured
No community discount. North Freedom isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sauk County.

What’s been done with FEMA grants

2flood-prone properties bought out and cleared
Disasters that hit North Freedom

6 federal disasters brought FEMA money here

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

Brought FEMA money into North FreedomDeclared for Sauk County only
2026

Severe Storms, Tornadoes, and Flooding

2 households applied for aid
2018

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

5 households applied for aid $12K aid approved $105K to the Village of North Freedom for repairs
2008

Severe Storms, Tornadoes, and Flooding

85 households applied for aid $202K aid approved $70K to the Village of North Freedom for repairs
2007

Severe Storms and Flooding

13 households applied for aid $22K aid approved
2004

Severe Storms and Flooding

6 households applied for aid $5K aid approved
2000

Severe Storms, Tornadoes, and Flooding

$3K to the Village of North Freedom for repairs
Sauk County has had 13 natural disasters declared since 1953, most often severe storms and floods.
Around North Freedom

North Freedom and the towns around it

Freedom: Moderate, mostly inland floodingExcelsior: High, mostly inland floodingBaraboo: Low, mostly inland floodingWestfield: High, mostly inland floodingHoney Creek: Moderate, mostly inland floodingSumpter: Very high, mostly inland floodingDellona: High, mostly inland floodingDelton: Moderate, mostly inland floodingReedsburg: High, mostly inland floodingNorth Freedom: High, mostly inland flooding North FreedomFreedomExcelsior
Very lowLowModerateHighVery high
North Freedommostly inland floodingHigh
Excelsiormostly inland floodingHigh
Freedommostly 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. North Freedom 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 North Freedom’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of North Freedom. 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.

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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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