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Natural hazards · St. Francis

St. Francis, WI natural hazards

Most of the natural-hazard damage FEMA expects in St. Francis comes from cold waves, and overall the risk is very low for a U.S. community. 4 federal disasters brought FEMA money into town.

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

How exposed is St. Francis?

1
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Francis to be higher than in 1% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves59%Inland flooding18%Tornadoes13%Heat waves8%Everything else2%
By hazard

What St. Francis faces

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

Cold waves

59% of expected damage
Below average · higher than 40% of U.S. places
Recorded about 5 times a year in the area

Inland flooding

18% of expected damage
Well below average · higher than 5% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

13% of expected damage
Above average · higher than 65% of U.S. places

Heat waves

8% of expected damage
Above average · higher than 56% of U.S. places
Recorded about 3 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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. Francis flood?

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

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

4 federal disasters brought FEMA money here

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

Brought FEMA money into St. FrancisDeclared for Milwaukee County only
2026

Severe Storms, Tornadoes, and Flooding

19 households applied for aid $23K aid approved
2025

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

50 households applied for aid $185K aid approved
2010

Severe Storms, Tornadoes, and Flooding

10 households applied for aid $12K aid approved
2008

Severe Storms, Tornadoes, and Flooding

42 households applied for aid $32K aid approved
Milwaukee County has had 20 natural disasters declared since 1953, most often floods and severe storms.
Around St. Francis

St. Francis and the towns around it

Milwaukee: Low, mostly cold wavesCudahy: Very low, mostly cold wavesWauwatosa: Very low, mostly cold wavesGreenfield: Very low, mostly cold wavesGlendale: Moderate, mostly inland floodingShorewood: Moderate, mostly cold wavesWest Allis: Very low, mostly cold wavesWest Milwaukee: Very low, mostly cold wavesMenomonee Falls: Very low, mostly inland floodingBrown Deer: Low, mostly inland floodingOak Creek: Very low, mostly cold wavesWhitefish Bay: Moderate, mostly cold wavesSouth Milwaukee: Very low, mostly cold wavesSt. Francis: Very low, mostly cold waves St. FrancisMilwaukeeCudahy
Very lowLowModerateHighVery high
Milwaukeemostly cold wavesLow
Cudahymostly cold wavesVery low
St. Francismostly 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. Francis covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to St. Francis’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of St. Francis. 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 St. Francis total about $2.9M 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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