Property Atlas

County hazard profile

St. Croix, WI

Wisconsin · pop. 93,429 · FIPS 55109

Relatively Low
FEMA risk rating · RATING
Strong Wind
dominant hazard
$36M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr St. Croix $36M

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 64.12/100
national median ~50 near the national middle (64th percentile)
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceRelatively High 77.39/100
national median ~50 higher than 77% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in St. Croix

The National Flood Insurance Program has paid 74 flood-insurance claims totaling $1.5M in St. Croix since 1982. The costliest year was 2020 ($701K paid).

Flood-insurance dollars paid by year of loss

1982: $0 paid 1986: $20,685 paid 1987: $0 paid 1989: $8,029 paid 1994: $0 paid 1995: $351,487 paid 1996: $0 paid 1997: $41,883 paid 1998: $1,436 paid 2000: $0 paid 2001: $202,933 paid 2002: $9,760 paid 2009: $0 paid 2010: $0 paid 2011: $0 paid 2013: $1,126 paid 2014: $30,044 paid 2016: $25,476 paid 2019: $49,630 paid 2020: $700,910 paid 2022: $72,100 paid 2023: $20,442 paid 2020 · $701K 1982 2023
$1.5M
total paid
$20,756
average claim
$259K
largest single claim
41%
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 St. Croix, WI and where it ranks among U.S. counties. It is not a verdict on whether St. Croix 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.