Natural hazards · Somerset

Somerset, WI natural hazards

Most of the natural-hazard damage FEMA expects in Somerset comes from inland flooding, and overall the risk is 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 Somerset?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Somerset to be higher than in 28% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding43%Tornadoes20%Cold waves14%Strong wind11%Hail6%Everything else6%

By hazard

What Somerset faces

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

Inland flooding

43% of expected damage

Below average · higher than 32% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

20% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 37 years in the area

Cold waves

14% of expected damage

Below average · higher than 26% of U.S. places

Recorded about 9 times a year in the area

Strong wind

11% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 4 times a year in the area

Hail

6% of expected damage

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

Recorded about 5 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 Somerset flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Croix County.

Disasters that hit Somerset

1 federal disaster brought FEMA money here

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

Brought FEMA money into SomersetDeclared for St. Croix County only

2001

Flooding, Severe Storms and Tornadoes

$4K to the Village of Somerset for repairs

St. Croix County has had 9 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Somerset

Somerset and the towns around it

Very lowLowModerateHighVery high

Somersetmostly inland floodingLow

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. Somerset 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 Somerset’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Somerset. 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.