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Natural hazards · Richfield

Richfield, WI natural hazards

Most of the natural-hazard damage FEMA expects in Richfield comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 8 claims here since 2001. 6 federal disasters brought FEMA money into town.

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

How exposed is Richfield?

23
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Richfield to be higher than in 23% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves22%Tornadoes17%Everything else12%
By hazard

What Richfield faces

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

Inland flooding

49% of expected damage
Below average · higher than 38% of U.S. places
Recorded about once every 2 years in the area

Cold waves

22% of expected damage
Below average · higher than 34% of U.S. places
Recorded about 5 times a year in the area

Tornadoes

17% of expected damage
Well above average · higher than 77% of U.S. places
Recorded about once every 78 years in the area

Lower here

HurricanesHailIce 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 Richfield flood?

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

8paid claims since 2001
$217Kpaid to owners
2homes flooded more than once
20012026

Biggest named events

  • 2025-08-MilwaukeeMetro-Flood: 4 claims, $157K
  • Storm: 2 claims, $29K

Homes that flooded again and again

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

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

6 federal disasters brought FEMA money here

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

Brought FEMA money into RichfieldDeclared for Washington County only
2026

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $10K aid approved
2025

Severe Storms, Straight-Line Winds, Flooding, and Mudslides

7 households applied for aid $12K aid approved
2011

Severe Winter Storm and Snowstorm

$16K to the Village of Richfield for repairs
2008

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $8K aid approved $179K to the Village of Richfield for repairs
2008

Record Snow and Near Record Snow

$23K to the Village of Richfield for repairs
2004

Severe Storms and Flooding

$2K to the Village of Richfield for repairs
Washington County has had 12 natural disasters declared since 1953, most often floods and severe storms.
Around Richfield

Richfield and the towns around it

Polk: Very low, mostly inland floodingErin: Low, mostly inland floodingLisbon: Very low, mostly inland floodingGermantown: Very low, mostly inland floodingGermantown: Very low, mostly inland floodingSlinger: Very low, mostly inland floodingJackson: Very low, mostly inland floodingWest Bend: Very low, mostly inland floodingHartford: Very low, mostly inland floodingJackson: Very low, mostly inland floodingMerton: Low, mostly inland floodingAshippun: Very low, mostly inland floodingSussex: Low, mostly inland floodingMerton: Low, mostly inland floodingMenomonee Falls: Very low, mostly inland floodingPewaukee: Very low, mostly inland floodingLannon: Low, mostly inland floodingHartland: Low, mostly inland floodingDelafield: Very low, mostly inland floodingBrookfield: Very low, mostly inland floodingMilwaukee: Low, mostly cold wavesRichfield: Low, mostly inland flooding RichfieldPolkErinLisbonGermantownGermantown
Very lowLowModerateHighVery high
Erinmostly inland floodingLow
Richfieldmostly inland floodingLow
Lisbonmostly inland floodingVery low
Germantownmostly inland floodingVery low
Polkmostly inland floodingVery low
Germantownmostly 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. Richfield covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Richfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Richfield. 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 Richfield total about $5.1M 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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