Property Atlas

County hazard profile

Eau Claire, WI

Wisconsin · pop. 105,611 · FIPS 55035

Relatively Low
FEMA risk rating · RATING
Cold Wave
dominant hazard
$48M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Eau Claire $48M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Low 78.31/100
national median ~50 higher than 78% of counties
Social vulnerabilityVery Low 16.98/100
national median ~50 among the lowest nationally
Community resilienceVery High 85.02/100
national median ~50 higher than 85% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Eau Claire

The National Flood Insurance Program has paid 58 flood-insurance claims totaling $504K in Eau Claire since 1980. The costliest year was 1993 ($188K paid).

Flood-insurance dollars paid by year of loss

1980: $14,864 paid 1981: $10,896 paid 1982: $10,651 paid 1983: $4,176 paid 1986: $41,211 paid 1989: $30,842 paid 1990: $8,500 paid 1993: $188,215 paid 1996: $675 paid 2002: $0 paid 2010: $5,363 paid 2011: $20,299 paid 2016: $168,073 paid 2019: $0 paid 2023: $0 paid 1993 · $188K 1980 2023
$504K
total paid
$8,686
average claim
$89K
largest single claim
60%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Eau Claire, WI and where it ranks among U.S. counties. It is not a verdict on whether Eau Claire is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.