Photo: Michael Barera · CC BY-SA 4.0FEMA expects less hazard damage per building in Franklin than in 97% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Franklin gets an A+ for hazard risk: lower expected damage per building than 97% of U.S. towns, #29 of 362 in Wisconsin. Most of that expected damage is river and rain flooding (81%), then tornadoes (14%). Flood insurance has paid 10 claims here since 2006.
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 Franklin 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
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 Franklin’s grade
River and rain flooding is 81% of the building damage FEMA expects in Franklin, and Franklin’s rate of river and rain flooding damage is lower than 81% of U.S. census tracts. Next is tornadoes at 14% (higher than 65% of U.S. census tracts).
A+ #29 of 362 in Wisconsin; lower expected damage per building than 97% of U.S. towns (21,298).
Franklin’s residents live in 6 census tracts; FEMA’s figures are combined by where they live.
The typical Wisconsin town has lower expected damage than 79% of U.S. towns; within the state, Franklin has less expected damage per building than 92% of Wisconsin towns.
In dollars, FEMA expects about $13.7M a year in losses across Franklin: $4.6M to buildings, the rest to people and crops.
Does Franklin flood? Sometimes: 10 flood claims since 2006
Every paid claim on a federal flood insurance policy in Franklin, from FEMA’s records: 0.7 per 1,000 homes, fewer than 85% of the 13,809 U.S. towns with a flood insurance record.
- The Storm6 claims · $75K
- The 2025-08-MilwaukeeMetro-Flood1 claim · $9K
Franklin isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Milwaukee County.8 federal disasters brought FEMA money to Franklin
Disasters that paid out in Franklin itself (aid to households or repair grants to the City of Franklin), newest first, with that year’s flood claims.
- 2026Severe Storms, Tornadoes, and Flooding34 households applied for aid$69K aid approved
- 2025Severe Storms, Straight-line Winds, Flooding, and Mudslides132 households applied for aid$553K aid approved1 flood claim paid that year
- 2011Severe Winter Storm and Snowstorm$47K to the City of Franklin for repairs
- 2010Severe Storms, Tornadoes, and Flooding31 households applied for aid$85K aid approved$12K to the City of Franklin for repairs2 flood claims paid that year
- 2008Severe Storms, Tornadoes, and Flooding172 households applied for aid$252K aid approved$109K to the City of Franklin for repairs
- 2008Record Snow and Near Record Snow$36K to the City of Franklin for repairs
Show all 8
- 2000Snow$23K to the City of Franklin for repairs
- 2000Severe Storms, Tornadoes, and Flooding$66K to the City of Franklin for repairs
Milwaukee 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 Franklin after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Franklin archive →Franklin and its neighbors
Franklin is 2nd of the 7 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 |
|---|---|---|---|
| Raymond | A+less damage than 97% | river and rain flooding | 1 |
| Franklin | A+less damage than 97% | river and rain flooding | 10 |
| Hales Corners | A+less damage than 96% | river and rain flooding | 10 |
| Oak Creek | A+less damage than 95% | river and rain flooding | 12 |
| Greenfield | Aless damage than 95% | river and rain flooding | 7 |
| Greendale | Aless damage than 93% | river and rain flooding | 6 |
| Muskego | B+less damage than 74% | river and rain flooding | 36 |
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 Franklin 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.
- 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 Franklin
Is Franklin at risk for natural disasters?
On FEMA’s National Risk Index, Franklin has lower expected damage per building than 97% of U.S. towns: A+ for hazard risk, #29 of 362 in Wisconsin. Most of the expected damage is river and rain flooding (81%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Franklin flood?
Flood insurance has paid 10 claims in Franklin since 2006, $136K in all, or 0.7 per 1,000 homes, fewer than 85% of U.S. towns with a flood insurance record. The most claims came from Storm (6).
Is Franklin 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 Milwaukee County, 76% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Franklin?
FEMA’s Community Rating System list shows no discount for Franklin’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 Franklin?
By FEMA money that reached Franklin, Severe Storms, Straight-line Winds, Flooding, and Mudslides (2025): 132 households applied for aid, $553K approved. By flood claims, Storm: 6 paid, $75K.
Is Franklin at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Franklin’s rate for it is lower than 81% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Franklin.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Franklin’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.