Photo: Royalbroil · CC BY-SA 3.0FEMA expects less hazard damage per building in Lomira than in 92% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lomira gets an A for hazard risk: lower expected damage per building than 92% of U.S. towns, #84 of 362 in Wisconsin. Most of that expected damage is river and rain flooding (69%), then tornadoes (16%). 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 Lomira 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.
What’s behind Lomira’s grade
River and rain flooding is 69% of the building damage FEMA expects in Lomira, and Lomira’s rate of river and rain flooding damage is lower than 83% of U.S. census tracts. Next is tornadoes at 16% (higher than 75% of U.S. census tracts).
A #84 of 362 in Wisconsin; lower expected damage per building than 92% of U.S. towns (21,298).
All of Lomira’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, Lomira has less expected damage per building than 77% of Wisconsin towns.
In dollars, FEMA expects about $1.1M a year in losses across Lomira: $670K to buildings, the rest to people and crops.
Does Lomira flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lomira. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lomira isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Dodge County.4 federal disasters brought FEMA money to Lomira
Disasters that paid out in Lomira itself (aid to households or repair grants to the Village of Lomira), newest first, with that year’s flood claims.
- 2011Severe Winter Storm and Snowstorm$5K to the Village of Lomira for repairs
- 2008Severe Storms, Tornadoes, and Flooding5 households applied for aid$2K to the Village of Lomira for repairs
- 2008Record Snow and Near Record Snow$4K to the Village of Lomira for repairs
- 2004Severe Storms and Flooding6 households applied for aid$10K aid approved$4K to the Village of Lomira for repairs
Dodge County has had 10 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Lomira after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lomira archive →Get ready for what Lomira 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 Lomira
Is Lomira at risk for natural disasters?
On FEMA’s National Risk Index, Lomira has lower expected damage per building than 92% of U.S. towns: A for hazard risk, #84 of 362 in Wisconsin. Most of the expected damage is river and rain flooding (69%) and tornadoes (16%). 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 Lomira 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 Dodge County, 22% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Lomira?
FEMA’s Community Rating System list shows no discount for Lomira’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 Lomira?
By FEMA money that reached Lomira, Severe Storms and Flooding (2004): 6 households applied for aid, $10K approved, and $4K to the Village of Lomira for repairs.
Is Lomira at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and Lomira’s rate for it is lower than 83% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lomira.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lomira’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.