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SharonPhoto: Loreengloria6 · CC BY-SA 3.0
AHazard risk
Natural hazards in Sharon · FEMA

On FEMA’s figures, Sharon faces less hazard damage per building than 85% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Sharon gets an A for hazard risk: lower expected damage per building than 85% of U.S. towns. Most of that expected damage is river and rain flooding (68%), then tornadoes (14%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 68%Tornadoes 14%Hail 13%

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

less than 85%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A
in Wisconsin · lower than 85% of U.S. towns
Main hazard
River and rain flooding
68% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
4
of 10 declared for Walworth County
By hazard

What Sharon 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

68%of expected building damage
Below average · lower than 76% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

14%of expected building damage
Above average · higher than 74% of U.S. census tracts
Recorded about once every 20 years in the area

Hail

13%of expected building damage
Well above average · higher than 90% of U.S. census tracts
Recorded about 5 times a year in the area
Smaller shares here
 Strong wind Earthquakes Lightning Ice storms Hurricanes Wildfire Winter 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 16% of Sharon’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.
Hazard risk grade

What’s behind Sharon’s grade

River and rain flooding is 68% of the building damage FEMA expects in Sharon, and Sharon’s rate of river and rain flooding damage is lower than 76% of U.S. census tracts. Next is tornadoes at 14% (higher than 74% of U.S. census tracts).

Where Sharon sits
Sharon
Least damageMiddleMost damage

A lower expected damage per building than 85% of U.S. towns (21,298).

All of Sharon’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding68%Tornadoes14%Hail13%Everything else5%

In dollars, FEMA expects about $643K a year in losses across Sharon: $415K to buildings, the rest to people and crops.

Shared tract.All of Sharon’s 1,586 residents (2020 census) live in one census tract, which it shares with Darien village (1,573 residents) and Sharon town (861 residents) and Allens Grove CDP (174 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Sharon flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Sharon. 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

Sharon isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Walworth County.
Disasters

4 federal disasters brought FEMA money to Sharon

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

  1. 2011Severe Winter Storm and Snowstorm$5K to the Village of Sharon for repairs
  2. 2008Severe Storms, Tornadoes, and Flooding10 households applied for aid$21K aid approved$3K to the Village of Sharon for repairs
  3. 2008Record Snow and Near Record Snow$4K to the Village of Sharon for repairs
  4. 2000Snow$2K to the Village of Sharon for repairs
Disasters declared, by decade
Paid out in SharonWalworth County only

Walworth 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 Sharon after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Sharon archive →
Next door

Sharon and its neighbors

Sharon has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.

Sharon: not gradedSharonSharon
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
SharonAless damage than 85%river and rain flooding0
Sharon—942 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.

Be ready

Get ready for what Sharon 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 Sharon

Is Sharon at risk for natural disasters?

On FEMA’s National Risk Index, Sharon has lower expected damage per building than 85% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (68%) and tornadoes (14%). 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 Sharon 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 Walworth County, 38% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Sharon?

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

By FEMA money that reached Sharon, Severe Storms, Tornadoes, and Flooding (2008): 10 households applied for aid, $21K approved, and $3K to the Village of Sharon for repairs.

Is Sharon at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (68%), and Sharon’s rate for it is lower than 76% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Sharon.

Town Square →
Start the conversation

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