Photo: Wasted Time R · CC BY 3.0On FEMA’s figures, few U.S. towns expect less hazard damage per building than Sturtevant, mostly from river and rain flooding
On FEMA’s National Risk Index, Sturtevant gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns, #7 of 362 in Wisconsin. Most of that expected damage is river and rain flooding (74%), then tornadoes (16%). Flood insurance has paid 1 claim here since 1980.
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 Sturtevant’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Sturtevant 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 Sturtevant’s grade
River and rain flooding is 74% of the building damage FEMA expects in Sturtevant, and Sturtevant’s rate of river and rain flooding damage is lower than 93% of U.S. census tracts. Next is tornadoes at 16% (higher than 64% of U.S. census tracts).
A+ #7 of 362 in Wisconsin; among the lowest expected damage per building of U.S. towns (21,298).
Sturtevant’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, Sturtevant has less expected damage per building than 98% of Wisconsin towns.
In dollars, FEMA expects about $1.9M a year in losses across Sturtevant: $1.0M to buildings, the rest to people and crops.
Does Sturtevant flood? Rarely: 1 flood claim since 1980
Every paid claim on a federal flood insurance policy in Sturtevant, from FEMA’s records: 0.5 per 1,000 homes, fewer than 89% of the 13,809 U.S. towns with a flood insurance record.
Sturtevant isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Racine County.7 federal disasters brought FEMA money to Sturtevant
Disasters that paid out in Sturtevant itself (aid to households or repair grants to the Village of Sturtevant), newest first, with that year’s flood claims.
- 2026Severe Storms, Tornadoes, and Flooding7 households applied for aid$1K aid approved
- 2011Severe Winter Storm and Snowstorm$15K to the Village of Sturtevant for repairs
- 2008Severe Storms, Tornadoes, and Flooding6 households applied for aid$13K aid approved$2K to the Village of Sturtevant for repairs
- 2008Record Snow and Near Record Snow$8K to the Village of Sturtevant for repairs
- 2007Severe Storms and Flooding16 households applied for aid$47K aid approved
- 2004Severe Storms and Flooding11 households applied for aid$9K aid approved
Show all 7
- 2000Snow$5K to the Village of Sturtevant for repairs
Racine County has had 14 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 Sturtevant after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Sturtevant archive →Get ready for what Sturtevant 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 Sturtevant
Is Sturtevant at risk for natural disasters?
On FEMA’s National Risk Index, Sturtevant has among the lowest expected damage per building of U.S. towns: A+ for hazard risk, #7 of 362 in Wisconsin. Most of the expected damage is river and rain flooding (74%) and tornadoes (16%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Sturtevant flood?
Flood insurance has paid 1 claim in Sturtevant since 1980, $23K in all, or 0.5 per 1,000 homes, fewer than 89% of U.S. towns with a flood insurance record.
Is Sturtevant 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 Racine County, 46% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Sturtevant?
FEMA’s Community Rating System list shows no discount for Sturtevant’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 Sturtevant?
By FEMA money that reached Sturtevant, Severe Storms and Flooding (2007): 16 households applied for aid, $47K approved.
Is Sturtevant at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Sturtevant’s rate for it is lower than 93% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Sturtevant.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sturtevant’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.