On FEMA’s figures, Hammond faces less hazard damage per building than 78% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Hammond gets an A− for hazard risk: lower expected damage per building than 78% of U.S. towns, #185 of 362 in Wisconsin. Most of that expected damage is river and rain flooding (58%), then tornadoes (19%). Flood insurance has paid 5 claims here since 2014.
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 Hammond 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
Strong wind
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 Hammond’s grade
River and rain flooding is 58% of the building damage FEMA expects in Hammond, and Hammond’s rate of river and rain flooding damage is lower than 80% of U.S. census tracts. Strong wind adds 13%, at a rate in the top 2% of U.S. census tracts.
A− #185 of 362 in Wisconsin; lower expected damage per building than 78% of U.S. towns (21,298).
Hammond’s residents live in 3 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, Hammond has more expected damage per building than 51% of Wisconsin towns.
In dollars, FEMA expects about $893K a year in losses across Hammond: $555K to buildings, the rest to people and crops.
Does Hammond flood? Rarely: 5 flood claims since 2014
Every paid claim on a federal flood insurance policy in Hammond, from FEMA’s records: 5.6 per 1,000 homes, more than 62% of the 13,809 U.S. towns with a flood insurance record.
- The March 2019 Midwest Flooding1 claim · $16K
Hammond isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: St. Croix County.1 federal disaster brought FEMA money to Hammond
Disasters that paid out in Hammond itself (aid to households or repair grants to the Town of Hammond), newest first, with that year’s flood claims.
- 2013Severe Storms, Flooding, and Mudslides$5K to the Town of Hammond for repairs
St. Croix County has had 8 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 Hammond after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hammond archive →Hammond and its neighbors
Hammond has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Hammond | A−less damage than 78% | river and rain flooding | 5 |
| Warren | A−less damage than 76% | river and rain flooding | — |
| Baldwin | B+less damage than 74% | river and rain flooding | 5 |
| Baldwin | B+less damage than 71% | river and rain flooding | 1 |
| Erin Prairie | — | 718 residents; we grade 1,000+ | |
| Pleasant Valley | — | 561 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 Hammond 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Hammond
Is Hammond at risk for natural disasters?
On FEMA’s National Risk Index, Hammond has lower expected damage per building than 78% of U.S. towns: A− for hazard risk, #185 of 362 in Wisconsin. Most of the expected damage is river and rain flooding (58%) and tornadoes (19%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Hammond flood?
Flood insurance has paid 5 claims in Hammond since 2014, $37K in all, or 5.6 per 1,000 homes, more than 62% of U.S. towns with a flood insurance record. The most claims came from March 2019 Midwest Flooding (1).
Is Hammond 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 St. Croix 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 Hammond?
FEMA’s Community Rating System list shows no discount for Hammond’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 Hammond?
By FEMA money that reached Hammond, Severe Storms, Flooding, and Mudslides (2013): $5K to the Town of Hammond for repairs. By flood claims, March 2019 Midwest Flooding: 1 paid, $16K.
Is Hammond at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (58%), and Hammond’s rate for it is lower than 80% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hammond.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hammond’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.