Photo: Cglenn3932 · CC BY-SA 4.0FEMA expects less hazard damage per building in Amery than in 78% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Amery gets an A− for hazard risk: lower expected damage per building than 78% of U.S. towns, #189 of 362 in Wisconsin. Most of that expected damage is river and rain flooding (62%), then tornadoes (15%). 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 Amery 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
Strong wind
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 Amery’s grade
River and rain flooding is 62% of the building damage FEMA expects in Amery, and Amery’s rate of river and rain flooding damage is lower than 75% of U.S. census tracts. Hail adds 12%, at a rate in the top 10% of U.S. census tracts.
A− #189 of 362 in Wisconsin; lower expected damage per building than 78% of U.S. towns (21,298).
All of Amery’s residents live in one census tract; the figures are that tract’s.
The typical Wisconsin town has lower expected damage than 79% of U.S. towns; within the state, Amery has more expected damage per building than 52% of Wisconsin towns.
In dollars, FEMA expects about $1.6M a year in losses across Amery: $829K to buildings, the rest to people and crops.
Does Amery flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Amery. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Amery isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Polk County.1 federal disaster brought FEMA money to Amery
Disasters that paid out in Amery itself (aid to households or repair grants to the City of Amery), newest first, with that year’s flood claims.
- 2001Flooding, Severe Storms and Tornadoes$6K to the City of Amery for repairs
Polk County has had 7 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Amery after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Amery archive →Amery and its neighbors
Amery is 2nd of the 3 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 |
|---|---|---|---|
| Black Brook | A−less damage than 78% | river and rain flooding | — |
| Amery | A−less damage than 78% | river and rain flooding | 0 |
| Lincoln | B+less damage than 74% | river and rain flooding | — |
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 Amery 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Amery
Is Amery at risk for natural disasters?
On FEMA’s National Risk Index, Amery has lower expected damage per building than 78% of U.S. towns: A− for hazard risk, #189 of 362 in Wisconsin. Most of the expected damage is river and rain flooding (62%) and tornadoes (15%). 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 Amery 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 Polk County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Amery?
FEMA’s Community Rating System list shows no discount for Amery’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 Amery?
By FEMA money that reached Amery, Flooding, Severe Storms and Tornadoes (2001): $6K to the City of Amery for repairs.
Is Amery at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (62%), and Amery’s rate for it is lower than 75% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Amery.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Amery’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.