FEMA expects less hazard damage per building in North Fond du Lac than in 60% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, North Fond du Lac gets a B for hazard risk: lower expected damage per building than 60% of U.S. towns, #262 of 362 in Wisconsin. Most of that expected damage is river and rain flooding (80%), then tornadoes (12%). Flood insurance has paid 16 claims here since 1986.
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 stands out about North Fond du Lac’s natural hazards
From FEMA’s model and FEMA’s records, below.
What North Fond du Lac 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 North Fond du Lac’s grade
River and rain flooding is 80% of the building damage FEMA expects in North Fond du Lac, and North Fond du Lac’s rate of river and rain flooding damage is higher than 58% of U.S. census tracts. Next is tornadoes at 12% (higher than 79% of U.S. census tracts).
B #262 of 362 in Wisconsin; lower expected damage per building than 60% of U.S. towns (21,298).
North Fond du Lac’s residents live in 2 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, North Fond du Lac has more expected damage per building than 72% of Wisconsin towns.
In dollars, FEMA expects about $2.3M a year in losses across North Fond du Lac: $1.5M to buildings, the rest to people and crops.
Does North Fond du Lac flood? Sometimes: 16 flood claims since 1986
Every paid claim on a federal flood insurance policy in North Fond du Lac, from FEMA’s records: 7.0 per 1,000 homes, more than 67% of the 13,809 U.S. towns with a flood insurance record.
North Fond du Lac isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Fond du Lac County.3 federal disasters brought FEMA money to North Fond du Lac
Disasters that paid out in North Fond du Lac itself (aid to households or repair grants to the Village of North Fond du Lac), newest first, with that year’s flood claims.
- 2018Severe Storms, Tornadoes, Straight-line Winds, Flooding, and Landslides$4K to the Village of North Fond du Lac for repairs
- 2008Severe Storms, Tornadoes, and Flooding52 households applied for aid$98K aid approved$49K to the Village of North Fond du Lac for repairs2 flood claims paid that year
- 2004Severe Storms and Flooding12 households applied for aid$24K aid approved$15K to the Village of North Fond du Lac for repairs2 flood claims paid that year
Fond du Lac County has had 9 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 North Fond du Lac after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the North Fond du Lac archive →North Fond du Lac and its neighbors
North Fond du Lac is 4th of the 4 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 |
|---|---|---|---|
| Fond du Lac | A−less damage than 83% | river and rain flooding | 4 |
| Friendship | B+less damage than 71% | river and rain flooding | 25 |
| Fond du Lac | B+less damage than 71% | river and rain flooding | 382 |
| North Fond du Lac | Bless damage than 60% | river and rain flooding | 16 |
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 North Fond du Lac 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 North Fond du Lac
Is North Fond du Lac at risk for natural disasters?
On FEMA’s National Risk Index, North Fond du Lac has lower expected damage per building than 60% of U.S. towns: B for hazard risk, #262 of 362 in Wisconsin. Most of the expected damage is river and rain flooding (80%) and tornadoes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does North Fond du Lac flood?
Flood insurance has paid 16 claims in North Fond du Lac since 1986, $94K in all, or 7.0 per 1,000 homes, more than 67% of U.S. towns with a flood insurance record. 2 properties have flooded more than once.
Is North Fond du Lac 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 Fond du Lac County, 18% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.
How much is flood insurance in North Fond du Lac?
FEMA’s Community Rating System list shows no discount for North Fond du Lac’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 North Fond du Lac?
By FEMA money that reached North Fond du Lac, Severe Storms, Tornadoes, and Flooding (2008): 52 households applied for aid, $98K approved, and $49K to the Village of North Fond du Lac for repairs.
Is North Fond du Lac at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and North Fond du Lac’s rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in North Fond du Lac.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where North Fond du Lac’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.