Natural hazards · St. Croix Falls

St. Croix Falls, WI natural hazards

Most of the natural-hazard damage FEMA expects in St. Croix Falls comes from cold waves, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 1980. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is St. Croix Falls?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Croix Falls to be higher than in 19% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves34%Inland flooding30%Tornadoes15%Strong wind9%Hail7%Everything else6%

By hazard

What St. Croix Falls faces

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

Cold waves

34% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about 9 times a year in the area

Inland flooding

30% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

15% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 68 years in the area

Strong wind

9% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 3 times a year in the area

Hail

7% of expected damage

Well above average · higher than 90% 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 St. Croix Falls flood?

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

3paid claims since 1980

$266Kpaid to owners

0homes flooded more than once

19802026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Polk County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit St. Croix Falls

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in St. Croix Falls itself: aid to households, or repair grants to the City of St. Croix Falls.

Brought FEMA money into St. Croix FallsDeclared for Polk County only

2002

Severe Storms, Tornadoes and Flooding

$25K to the City of St. Croix Falls for repairs

Polk County has had 8 natural disasters declared since 1953, most often floods and tornadoes.

Around St. Croix Falls

St. Croix Falls and the towns around it

Very lowLowModerateHighVery high

Taylors Fallsmostly inland floodingModerate

St. Croix Fallsmostly cold wavesVery 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. St. Croix Falls 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 St. Croix Falls’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of St. Croix Falls. 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.