Storms, floods and disasters in Cross
Cross isn’t graded for hazard risk: Cross has 437 residents; we grade towns of 1,000 or more. Flood insurance has paid 12 claims here since 1996.
What Cross 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.
Does Cross flood? Sometimes: 12 flood claims since 1996
Every paid claim on a federal flood insurance policy in Cross, from FEMA’s records.
- The Severe flooding7 claims · $42K
Cross isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Buffalo County.3 federal disasters brought FEMA money to Cross
Disasters that paid out in Cross itself (aid to households or repair grants to the Town of Cross), newest first, with that year’s flood claims.
- 2017Severe Storms, Straight-line Winds, Flooding, Landslides, and Mud$118K to the Town of Cross for repairs
- 2010Severe Storms and Flooding$22K to the Town of Cross for repairs
- 2001Flooding, Severe Storms and Tornadoes$16K to the Town of Cross for repairs7 flood claims paid that year
Buffalo County has had 13 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 Cross after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cross archive →Cross and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Arcadia | Cmore damage than 68% | river and rain flooding | 27 |
| Dodge | — | 503 residents; we grade 1,000+ | |
| Milton | — | 450 residents; we grade 1,000+ | |
| Buffalo | — | 725 residents; we grade 1,000+ | |
| Waumandee | — | 534 residents; we grade 1,000+ | |
| Glencoe | — | 448 residents; we grade 1,000+ | |
| Fountain City | — | 835 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 Cross 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 Cross
Does Cross flood?
Flood insurance has paid 12 claims in Cross since 1996, $104K in all. The most claims came from Severe flooding (7).
Is Cross 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 Buffalo County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Cross?
FEMA’s Community Rating System list shows no discount for Cross’ 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 Cross?
By FEMA money that reached Cross, Severe Storms, Straight-line Winds, Flooding, Landslides, and Mud (2017): $118K to the Town of Cross for repairs. By flood claims, Severe flooding: 7 paid, $42K.
Storm stories
Memories, warnings and help from neighbors in Cross.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cross’ 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.