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Lowell, WisconsinPhoto: Wonder al · CC BY-SA 3.0
–Not graded
Natural hazards in Lowell · FEMA

Storms, floods and disasters in Lowell

Lowell isn’t graded for hazard risk: Lowell has 312 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
3
of 10 declared for Dodge County
By hazard

What Lowell 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

71%of expected building damage
Below average · lower than 68% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

14%of expected building damage
Above average · higher than 80% of U.S. census tracts
Recorded about once every 9 years in the area

Hail

11%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Recorded about 4 times a year in the area
Smaller shares here
 Strong wind Earthquakes Wildfire Lightning Hurricanes 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 18% of Lowell’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.
Flood insurance claims

Does Lowell flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Lowell. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Lowell 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.
Disasters

3 federal disasters brought FEMA money to Lowell

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

  1. 2011Severe Winter Storm and Snowstorm$1K to the Village of Lowell for repairs
  2. 2008Severe Storms, Tornadoes, and Flooding9 households applied for aid$27K aid approved$102K to the Village of Lowell for repairs
  3. 2004Severe Storms and Flooding1 households applied for aid$316 aid approved$14K to the Village of Lowell for repairs
Disasters declared, by decade
Paid out in LowellDodge County only

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.

Were you here?

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

Add to the Lowell archive →
Be ready

Get ready for what Lowell 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 ↗
Hail
  • 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.
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 Lowell

Is Lowell 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 Lowell?

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

By FEMA money that reached Lowell, Severe Storms, Tornadoes, and Flooding (2008): 9 households applied for aid, $27K approved, and $102K to the Village of Lowell for repairs.

Storm stories

Memories, warnings and help from neighbors in Lowell.

Town Square →
Start the conversation

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