Samuel Hall House · Photo: TheCatalyst31 · CC0FEMA expects less hazard damage per building in Albion than in 77% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Albion gets an A− for hazard risk: lower expected damage per building than 77% of U.S. towns. Most of that expected damage is river and rain flooding (75%), then tornadoes (13%). Flood insurance has paid 24 claims here since 1993.
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 stands out about Albion’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Albion 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
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 Albion’s grade
River and rain flooding is 75% of the building damage FEMA expects in Albion, and Albion’s rate of river and rain flooding damage is lower than 62% of U.S. census tracts. Next is tornadoes at 13% (higher than 77% of U.S. census tracts).
A− lower expected damage per building than 77% of U.S. towns (21,298).
All of Albion’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.3M a year in losses across Albion: $955K to buildings, the rest to people and crops.
Does Albion flood? Sometimes: 24 flood claims since 1993
Every paid claim on a federal flood insurance policy in Albion, from FEMA’s records: 28.6 per 1,000 homes, more than 88% of the 13,809 U.S. towns with a flood insurance record.
- The Storm1 claim · $116K
Albion isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Dane County.The storms Albion remembers
None of the 16 disasters declared for Dane County shows FEMA aid or repair money reaching Albion itself in FEMA’s records, so these are its biggest flood-claim years.
- 200820 flood claims paidThe year of Severe Storms, Tornadoes, and Flooding, declared for Dane County
- 19933 flood claims paidThe year of Severe Storms, Tornadoes and Flooding, declared for Dane County
- 20181 flood claims paidThe year of Severe Storms, Tornadoes, Straight-line Winds, Flooding, and Landslides, declared for Dane County
Dane County has had 16 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Albion after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Albion archive →Albion and its neighbors
Albion is 3rd of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Christiana | Aless damage than 90% | river and rain flooding | — |
| Dunkirk | A−less damage than 83% | river and rain flooding | — |
| Albion | A−less damage than 77% | river and rain flooding | 24 |
| Fulton | C−more damage than 83% | river and rain flooding | 49 |
| Edgerton | C−more damage than 84% | river and rain flooding | 7 |
| Sumner | — | 824 residents; we grade 1,000+ | |
| Lake Koshkonong | — | a Census area inside a town; graded with the town | |
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 Albion 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.
- 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 Albion
Is Albion at risk for natural disasters?
On FEMA’s National Risk Index, Albion has lower expected damage per building than 77% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (75%) and tornadoes (13%). 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.
Does Albion flood?
Flood insurance has paid 24 claims in Albion since 1993, $1.2M in all, or 28.6 per 1,000 homes, more than 88% of U.S. towns with a flood insurance record. The most claims came from Storm (1).
Is Albion 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 Dane County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Albion?
FEMA’s Community Rating System list shows no discount for Albion’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 Albion?
By flood claims, Storm: 1 paid, $116K.
Is Albion at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (75%), and Albion’s rate for it is lower than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Albion.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Albion’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.