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Edgerton Post OfficeEdgerton Post Office · Photo: TheCatalyst31 · CC0
C−Hazard risk
Natural hazards in Edgerton · FEMA

FEMA expects more hazard damage per building in Edgerton than in 84% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Edgerton gets a C− for hazard risk: higher expected damage per building than 84% of U.S. towns, #358 of 362 in Wisconsin. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 7 claims here since 1979.

River and rain flooding 86%Tornadoes 8%Hail 4%

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

more than 84%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#358 of 362 in Wisconsin
Hazard risk
C−#358 of 362
in Wisconsin · higher than 84% of U.S. towns
Main hazard
River and rain flooding
86% of expected building damage
Flood claims
7
paid since 1979 · $25K
Disasters paid out here
6
of 13 declared for Rock County
By hazard

What Edgerton 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

86%of expected building damage
Well above average · in the top 9% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

8%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Smaller shares here
 Hail Strong wind Earthquakes Lightning top 1% Hurricanes Wildfire Winter storms Ice storms Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 12% of Edgerton’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Edgerton’s grade

River and rain flooding is 86% of the building damage FEMA expects in Edgerton, and Edgerton’s rate of river and rain flooding damage is in the top 9% of U.S. census tracts. Next is tornadoes at 8% (higher than 88% of U.S. census tracts).

Where Edgerton sits
Edgerton
Least damageMiddleMost damage

C− #358 of 362 in Wisconsin; higher expected damage per building than 84% of U.S. towns (21,298).

Edgerton’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding86%Tornadoes8%Hail4%Everything else2%

The typical Wisconsin town has lower expected damage than 79% of U.S. towns; within the state, Edgerton has more expected damage per building than 99% of Wisconsin towns.

In dollars, FEMA expects about $3.9M a year in losses across Edgerton: $3.0M to buildings, the rest to people and crops.

A small-area figure. Edgerton covers 3 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Edgerton flood? Rarely: 7 flood claims since 1979

Every paid claim on a federal flood insurance policy in Edgerton, from FEMA’s records: 2.7 per 1,000 homes, fewer than 54% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1979: 1 claim1980: 0 claims1981: 0 claims1982: 1 claim1983: 0 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 1 claim1994: 0 claims1995: 0 claims1996: 1 claim1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 1 claim2005: 0 claims2006: 0 claims2007: 0 claims2008: 1 claim2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 1 claim2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims197919821993
19792026
Biggest named events
  • The March 2019 Midwest Flooding1 claim · $7K
7
paid claims since 1979
$25K
paid to owners
0
homes flooded more than once
$4K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Edgerton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Rock County.
What’s been done with FEMA grants
3flood-prone properties bought out and cleared
Disasters

6 federal disasters brought FEMA money to Edgerton

Disasters that paid out in Edgerton itself (aid to households or repair grants to the City of Edgerton), newest first, with that year’s flood claims.

  1. 2026Severe Storms, Tornadoes, and Flooding3 households applied for aid$2K aid approved
  2. 2008Severe Storms, Tornadoes, and Flooding225 households applied for aid$485K aid approved
  3. 2008Record Snow and Near Record Snow$15K to the City of Edgerton for repairs
  4. 2007Severe Storms and Flooding27 households applied for aid$31K aid approved
  5. 2004Severe Storms and Flooding7 households applied for aid$15K aid approved1 flood claim paid that year
  6. 2000Snow$3K to the City of Edgerton for repairs
Disasters declared, by decade
Paid out in EdgertonRock County only

Rock 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.

Were you here?

Old photos of Edgerton after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Edgerton archive →
Next door

Edgerton and its neighbors

Edgerton is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Fulton: hazard risk C−Albion: hazard risk A−FultonAlbionEdgerton
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
AlbionA−less damage than 77%river and rain flooding24
FultonC−more damage than 83%river and rain flooding49
EdgertonC−more damage than 84%river and rain flooding7

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.

Be ready

Get ready for what Edgerton faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Edgerton

Is Edgerton at risk for natural disasters?

On FEMA’s National Risk Index, Edgerton has higher expected damage per building than 84% of U.S. towns: C− for hazard risk, #358 of 362 in Wisconsin. Most of the expected damage is river and rain flooding (86%) and tornadoes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Edgerton flood?

Flood insurance has paid 7 claims in Edgerton since 1979, $25K in all, or 2.7 per 1,000 homes, fewer than 54% of U.S. towns with a flood insurance record. The most claims came from March 2019 Midwest Flooding (1).

Is Edgerton 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 Rock County, 33% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in Edgerton?

FEMA’s Community Rating System list shows no discount for Edgerton’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 Edgerton?

By FEMA money that reached Edgerton, Severe Storms, Tornadoes, and Flooding (2008): 225 households applied for aid, $485K approved. By flood claims, March 2019 Midwest Flooding: 1 paid, $7K.

Is Edgerton at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (86%), and Edgerton’s rate for it is in the top 9% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Edgerton.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Edgerton’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.