Natural hazards · Summit

Summit, WI natural hazards

Most of the natural-hazard damage FEMA expects in Summit comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 2008.

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

Expected damage

How exposed is Summit?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Summit to be higher than in 35% of U.S. communities, mostly from inland flooding.

Inland flooding64%Tornadoes14%Cold waves12%Everything else10%

By hazard

What Summit faces

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

Inland flooding

64% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

14% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 54 years in the area

Cold waves

12% of expected damage

Below average · higher than 33% of U.S. places

Recorded about 5 times a year 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 Summit flood?

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

4paid claims since 2008

$52Kpaid to owners

0homes flooded more than once

20082026

Biggest named events

2025-08-MilwaukeeMetro-Flood: 2 claims, $31K
Storm: 2 claims, $21K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Waukesha County.

Disasters that hit Summit

Federal disasters declared here

None of the disasters declared for Waukesha County shows FEMA aid or repair money reaching Summit itself in FEMA’s records.

Brought FEMA money into SummitDeclared for Waukesha County only

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

Around Summit

Summit and the towns around it

Very lowLowModerateHighVery high

Oconomowocmostly inland floodingModerate

Dousmanmostly inland floodingModerate

Summitmostly inland floodingLow

Oconomowoc Lakemostly inland floodingLow

Ottawamostly inland floodingLow

Concordmostly inland floodingLow

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