Property Atlas

County hazard profile

Ozaukee, WI

Wisconsin · pop. 91,247 · FIPS 55089

Relatively Low
FEMA risk rating · RATING
Cold Wave
dominant hazard
$33M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Ozaukee $33M

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 50.32/100
national median ~50 near the national middle (50th percentile)
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 100/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Ozaukee

The National Flood Insurance Program has paid 351 flood-insurance claims totaling $3.9M in Ozaukee since 1979. The costliest year was 2008 ($1.5M paid).

Flood-insurance dollars paid by year of loss

1979: $5,494 paid 1980: $0 paid 1981: $1,173 paid 1982: $1,316 paid 1983: $875 paid 1985: $0 paid 1986: $81,718 paid 1989: $48,770 paid 1993: $7,424 paid 1995: $0 paid 1996: $61,879 paid 1997: $293,900 paid 1999: $40,769 paid 2000: $9,150 paid 2001: $3,025 paid 2002: $0 paid 2004: $271,999 paid 2007: $18,099 paid 2008: $1,479,434 paid 2009: $0 paid 2010: $7,776 paid 2011: $9,036 paid 2013: $42,353 paid 2014: $12,678 paid 2016: $0 paid 2017: $0 paid 2018: $401,118 paid 2019: $614,367 paid 2020: $19,227 paid 2021: $11,441 paid 2024: $18,686 paid 2025: $406,018 paid 2026: $0 paid 2008 · $1.5M 1979 2026
$3.9M
total paid
$11,019
average claim
$278K
largest single claim
74%
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 Ozaukee, WI and where it ranks among U.S. counties. It is not a verdict on whether Ozaukee 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.