More hazard damage per building is expected in Necedah than in 82% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Necedah gets a C− for hazard risk: higher expected damage per building than 82% of U.S. towns. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 3 claims here since 2010.
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 Necedah 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
Hail
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 Necedah’s grade
River and rain flooding is 86% of the building damage FEMA expects in Necedah, and Necedah’s rate of river and rain flooding damage is higher than 89% of U.S. census tracts. Hail adds 6%, at a rate in the top 8% of U.S. census tracts.
C− higher expected damage per building than 82% of U.S. towns (21,298).
Necedah’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $3.0M a year in losses across Necedah: $2.0M to buildings, the rest to people and crops.
Does Necedah flood? Rarely: 3 flood claims since 2010
Every paid claim on a federal flood insurance policy in Necedah, from FEMA’s records: 1.9 per 1,000 homes, fewer than 63% of the 13,809 U.S. towns with a flood insurance record.
Necedah isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Juneau County.4 federal disasters brought FEMA money to Necedah
Disasters that paid out in Necedah itself (aid to households or repair grants to the Town of Necedah), newest first, with that year’s flood claims.
- 2026Severe Storms, Tornadoes, and Flooding$31K to the Town of Necedah for repairs
- 2016Severe Storms, Flooding, and Mudslides$13K to the Town of Necedah for repairs
- 2010Severe Storms and Flooding$8K to the Town of Necedah for repairs3 flood claims paid that year
- 2004Severe Storms and Flooding$5K to the Town of Necedah for repairs
Juneau 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.
Old photos of Necedah after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Necedah archive →Necedah and its neighbors
Necedah is 3rd of the 3 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 |
|---|---|---|---|
| Strongs Prairie | Cmore damage than 75% | river and rain flooding | — |
| Germantown | C−more damage than 81% | river and rain flooding | — |
| Necedah | C−more damage than 82% | river and rain flooding | 3 |
| Armenia | — | 697 residents; we grade 1,000+ | |
| Clearfield | — | 741 residents; we grade 1,000+ | |
| Kingston | — | 46 residents; we grade 1,000+ | |
| Cutler | — | 386 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 Necedah 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.
- 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.
- 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 Necedah
Is Necedah at risk for natural disasters?
On FEMA’s National Risk Index, Necedah has higher expected damage per building than 82% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (86%) and hail (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Necedah flood?
Flood insurance has paid 3 claims in Necedah since 2010, $21K in all, or 1.9 per 1,000 homes, fewer than 63% of U.S. towns with a flood insurance record.
Is Necedah 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 Juneau County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Necedah?
FEMA’s Community Rating System list shows no discount for Necedah’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 Necedah?
By FEMA money that reached Necedah, Severe Storms, Tornadoes, and Flooding (2026): $31K to the Town of Necedah for repairs.
Is Necedah at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Necedah’s rate for it is higher than 89% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Necedah.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Necedah’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.