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Natural hazards · Northfield

Northfield, WI natural hazards

Most of the natural-hazard damage FEMA expects in Northfield comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 5 claims here since 1993. 2 federal disasters brought FEMA money into town.

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

How exposed is Northfield?

58
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Northfield to be higher than in 58% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding52%Cold waves23%Tornadoes8%Strong wind6%Hail5%Everything else6%
By hazard

What Northfield faces

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

Inland flooding

52% of expected damage
Well above average · higher than 78% of U.S. places
Recorded about 2 times a year in the area

Cold waves

23% of expected damage
Below average · higher than 35% of U.S. places
Recorded about 8 times a year in the area

Tornadoes

8% of expected damage
Above average · higher than 72% of U.S. places
Recorded about once every 11 years in the area

Strong wind

6% of expected damage
Above average · higher than 74% 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 Northfield flood?

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

5paid claims since 1993
$24Kpaid to owners
0homes flooded more than once
19932026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Northfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jackson County.
Disasters that hit Northfield

2 federal disasters brought FEMA money here

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

Brought FEMA money into NorthfieldDeclared for Jackson County only
2010

Severe Storms and Flooding

$3K to the Town of Northfield for repairs
2004

Severe Storms and Flooding

$6K to the Town of Northfield for repairs
Jackson County has had 12 natural disasters declared since 1953, most often severe storms and floods.
Around Northfield

Northfield and the towns around it

Hale: High, mostly inland floodingGarfield: Moderate, mostly inland floodingGarden Valley: Moderate, mostly inland floodingCurran: Moderate, mostly inland floodingSumner: High, mostly inland floodingPigeon: High, mostly inland floodingChimney Rock: Moderate, mostly inland floodingLincoln: High, mostly inland floodingUnity: Moderate, mostly inland floodingBurnside: High, mostly inland floodingCleveland: Moderate, mostly inland floodingBridge Creek: High, mostly inland floodingAlma: Moderate, mostly inland floodingHixton: Moderate, mostly inland floodingAlma Center: Moderate, mostly inland floodingMentor: Moderate, mostly inland floodingSpringfield: High, mostly inland floodingPreston: High, mostly inland floodingOtter Creek: Moderate, mostly inland floodingNorthfield: Moderate, mostly inland flooding NorthfieldHaleGarfieldGarden ValleyCurranSumnerPigeon
Very lowLowModerateHighVery high
Pigeonmostly inland floodingHigh
Halemostly inland floodingHigh
Sumnermostly inland floodingHigh
Northfieldmostly inland floodingModerate
Garfieldmostly inland floodingModerate
Garden Valleymostly inland floodingModerate
Curranmostly 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. Northfield covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Northfield’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Northfield. 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 Northfield total about $2.8M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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