Property Atlas

County hazard profile

La Crosse, WI

Wisconsin · pop. 120,545 · FIPS 55063

Relatively Low
FEMA risk rating · RATING
Cold Wave
dominant hazard
$54M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr La Crosse $54M

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 80.53/100
national median ~50 higher than 81% of counties
Social vulnerabilityVery Low 16.28/100
national median ~50 among the lowest nationally
Community resilienceVery High 92.46/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in La Crosse

The National Flood Insurance Program has paid 215 flood-insurance claims totaling $1.2M in La Crosse since 1978. The costliest year was 2007 ($396K paid).

Flood-insurance dollars paid by year of loss

1978: $25,136 paid 1979: $0 paid 1980: $1,687 paid 1981: $0 paid 1982: $568 paid 1984: $0 paid 1986: $4,907 paid 1989: $511 paid 1991: $530 paid 1993: $90,869 paid 1996: $0 paid 1997: $103,425 paid 1998: $2,109 paid 1999: $3,144 paid 2001: $132,714 paid 2004: $44,467 paid 2007: $396,348 paid 2008: $3,059 paid 2010: $7,371 paid 2011: $5,954 paid 2012: $0 paid 2013: $0 paid 2014: $3,846 paid 2016: $14,374 paid 2017: $90,868 paid 2018: $33,533 paid 2019: $119,020 paid 2020: $0 paid 2021: $17,379 paid 2022: $28,554 paid 2023: $100,301 paid 2024: $8,521 paid 2007 · $396K 1978 2024
$1.2M
total paid
$5,764
average claim
$158K
largest single claim
77%
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 La Crosse, WI and where it ranks among U.S. counties. It is not a verdict on whether La Crosse 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.