Property Atlas

County hazard profile

Vernon, WI

Wisconsin · pop. 30,574 · FIPS 55123

Relatively Low
FEMA risk rating · RATING
Landslide
dominant hazard
$25M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Vernon $25M

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 74.97/100
national median ~50 higher than 75% of counties
Social vulnerabilityRelatively High 79.39/100
national median ~50 higher than 79% of counties
Community resilienceRelatively High 64.98/100
national median ~50 near the national middle (65th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Vernon

The National Flood Insurance Program has paid 178 flood-insurance claims totaling $4.3M in Vernon since 1978. The costliest year was 2018 ($2.2M paid).

Flood-insurance dollars paid by year of loss

1978: $17,131 paid 1980: $100 paid 1981: $136 paid 1983: $467 paid 1984: $5,174 paid 1986: $0 paid 1990: $40,396 paid 1992: $15,979 paid 1993: $1,670 paid 1996: $0 paid 1997: $22,817 paid 2000: $0 paid 2001: $90,427 paid 2004: $1,644 paid 2007: $576,658 paid 2008: $602,383 paid 2010: $37,765 paid 2011: $6,203 paid 2015: $1,509 paid 2016: $363,264 paid 2017: $162,402 paid 2018: $2,165,399 paid 2019: $71,704 paid 2020: $2,770 paid 2021: $64,285 paid 2023: $19,328 paid 2018 · $2.2M 1978 2023
$4.3M
total paid
$23,987
average claim
$538K
largest single claim
62%
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 Vernon, WI and where it ranks among U.S. counties. It is not a verdict on whether Vernon 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.