Benjamin Single House · Photo: Tgkrause · CC BY-SA 3.0On FEMA’s figures, Stettin faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Stettin gets a B− for hazard risk: lower expected damage per building than 55% of U.S. towns, #290 of 362 in Wisconsin. Most of that expected damage is river and rain flooding (87%). Flood insurance has paid 2 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 Stettin 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
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 Stettin’s grade
River and rain flooding is 87% of the building damage FEMA expects in Stettin, and Stettin’s rate of river and rain flooding damage is higher than 67% of U.S. census tracts. Lightning adds 2%, at a rate in the top 1% of U.S. census tracts.
B− #290 of 362 in Wisconsin; lower expected damage per building than 55% of U.S. towns (21,298).
Stettin’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, Stettin has more expected damage per building than 80% of Wisconsin towns.
In dollars, FEMA expects about $1.8M a year in losses across Stettin: $1.2M to buildings, the rest to people and crops.
Does Stettin flood? Rarely: 2 flood claims since 2010
Every paid claim on a federal flood insurance policy in Stettin, from FEMA’s records: 2.2 per 1,000 homes, fewer than 59% of the 13,809 U.S. towns with a flood insurance record.
Stettin isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Marathon County.1 federal disaster brought FEMA money to Stettin
Disasters that paid out in Stettin itself (aid to households or repair grants to the Town of Stettin), newest first, with that year’s flood claims.
- 2010Severe Storms and Flooding$6K to the Town of Stettin for repairs1 flood claim paid that year
Marathon 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 Stettin after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stettin archive →Stettin and its neighbors
Stettin is 4th of the 5 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 |
|---|---|---|---|
| Maine | Aless damage than 86% | river and rain flooding | — |
| Wausau | B+less damage than 70% | river and rain flooding | 8 |
| Marathon City | Bless damage than 59% | river and rain flooding | 3 |
| Stettin | B−less damage than 55% | river and rain flooding | 2 |
| Rib Mountain | B−more damage than 51% | river and rain flooding | 1 |
| Berlin | — | 918 residents; we grade 1,000+ | |
| Marathon | — | not graded yet | |
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 Stettin 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.
- 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 Stettin
Is Stettin at risk for natural disasters?
On FEMA’s National Risk Index, Stettin has lower expected damage per building than 55% of U.S. towns: B− for hazard risk, #290 of 362 in Wisconsin. Most of the expected damage is river and rain flooding (87%) and tornadoes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Stettin flood?
Flood insurance has paid 2 claims in Stettin since 2010, $60K in all, or 2.2 per 1,000 homes, fewer than 59% of U.S. towns with a flood insurance record.
Is Stettin 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 Marathon County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Stettin?
FEMA’s Community Rating System list shows no discount for Stettin’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 Stettin?
By FEMA money that reached Stettin, Severe Storms and Flooding (2010): $6K to the Town of Stettin for repairs.
Is Stettin at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (87%), and Stettin’s rate for it is higher than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Stettin.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stettin’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.