Natural hazards · Rutland

Rutland, WI natural hazards

Most of the natural-hazard damage FEMA expects in Rutland comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 4 claims here since 1981. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Rutland?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rutland to be higher than in 13% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding47%Cold waves23%Tornadoes14%Hail8%Everything else9%

By hazard

What Rutland faces

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

Inland flooding

47% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about 2 times a year in the area

Cold waves

23% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

14% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once every 43 years in the area

Hail

8% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 4 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 Rutland flood?

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

4paid claims since 1981

$15Kpaid to owners

0homes flooded more than once

19812026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Rutland 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.

Disasters that hit Rutland

4 federal disasters brought FEMA money here

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

Brought FEMA money into RutlandDeclared for Dane County only

2011

Severe Winter Storm and Snowstorm

$7K to the Town of Rutland for repairs

2008

Severe Storms, Tornadoes, and Flooding

$17K to the Town of Rutland for repairs

2008

Record Snow and Near Record Snow

$5K to the Town of Rutland for repairs

2000

Snow

$3K to the Town of Rutland for repairs

Dane County has had 17 natural disasters declared since 1953, most often severe storms and winter storms.

Around Rutland

Rutland and the towns around it

Very lowLowModerateHighVery high

Dunnmostly inland floodingLow

Brooklynmostly inland floodingLow

Stoughtonmostly inland floodingLow

Unionmostly inland floodingVery low

Rutlandmostly inland floodingVery low

Oregonmostly 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. Rutland covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Rutland’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Rutland. 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 Rutland total about $4.0M 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.