Natural hazards · Sumner

Sumner, WI natural hazards

Most of the natural-hazard damage FEMA expects in Sumner comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Sumner?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sumner to be higher than in 64% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding57%Cold waves18%Tornadoes8%Hail5%Everything else12%

By hazard

What Sumner faces

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

Inland flooding

57% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 3 times a year in the area

Cold waves

18% of expected damage

Below average · higher than 34% of U.S. places

Recorded about 8 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 27 years in the area

Hail

5% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Sumner flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Trempealeau County.

Disasters that hit Sumner

Federal disasters declared here

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

Brought FEMA money into SumnerDeclared for Trempealeau County only

Trempealeau County has had 13 natural disasters declared since 1953, most often severe storms and floods.

Around Sumner

Sumner and the towns around it

Very lowLowModerateHighVery high

Sumnermostly inland floodingHigh

Halemostly inland floodingHigh

Unitymostly inland floodingModerate

Garfieldmostly inland floodingModerate

Northfieldmostly inland floodingModerate

Otter Creekmostly inland floodingModerate

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