First National Bank · Photo: Elkman · CC BY-SA 3.0FEMA puts Winnebago’s expected hazard damage per building below that of 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Winnebago gets a B+ for hazard risk: lower expected damage per building than 72% of U.S. towns. Most of that expected damage is river and rain flooding (60%), then tornadoes (20%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Winnebago faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Strong wind
Hail
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Winnebago’s grade
River and rain flooding is 60% of the building damage FEMA expects in Winnebago, and Winnebago’s rate of river and rain flooding damage is lower than 73% of U.S. census tracts. Tornadoes add 20%, at a rate in the top 8% of U.S. census tracts.
B+ lower expected damage per building than 72% of U.S. towns (21,298).
All of Winnebago’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.0M a year in losses across Winnebago: $565K to buildings, the rest to people and crops.
Does Winnebago flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Winnebago. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Winnebago isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Faribault County.3 federal disasters brought FEMA money to Winnebago
Disasters that paid out in Winnebago itself (aid to households or repair grants to the City of Winnebago), newest first, with that year’s flood claims.
- 2024Severe Storms and Flooding8 households applied for aid$38K aid approved
- 2010Severe Storms and Flooding$6K to the City of Winnebago for repairs
- 2004Severe Storms and Flooding53 households applied for aid$90K aid approved$3K to the City of Winnebago for repairs
Faribault County has had 19 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Winnebago after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Winnebago archive →Winnebago and its neighbors
Winnebago has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Winnebago | B+less damage than 72% | river and rain flooding | 0 |
| Verona Township | — | 286 residents; we grade 1,000+ | |
| Winnebago City Township | — | 203 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Winnebago faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Winnebago
Is Winnebago at risk for natural disasters?
On FEMA’s National Risk Index, Winnebago has lower expected damage per building than 72% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (60%) and tornadoes (20%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Winnebago in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Faribault County, 0.1% of all homes carry federal flood insurance.
How much is flood insurance in Winnebago?
FEMA’s Community Rating System list shows no discount for Winnebago’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Winnebago?
By FEMA money that reached Winnebago, Severe Storms and Flooding (2004): 53 households applied for aid, $90K approved, and $3K to the City of Winnebago for repairs.
Is Winnebago at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (60%), and Winnebago’s rate for it is lower than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Winnebago.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Winnebago’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.