Wandawega Inn · Photo: Sa magnuson33 · CC BY-SA 3.0FEMA puts Sugar Creek’s expected hazard damage per building below that of 74% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Sugar Creek gets a B+ for hazard risk: lower expected damage per building than 74% of U.S. towns, #207 of 362 in Wisconsin. Most of that expected damage is river and rain flooding (75%), then tornadoes (13%). FEMA’s files show no paid flood insurance claims here.
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 Sugar Creek 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 Sugar Creek’s grade
River and rain flooding is 75% of the building damage FEMA expects in Sugar Creek, and Sugar Creek’s rate of river and rain flooding damage is lower than 59% of U.S. census tracts. Next is tornadoes at 13% (higher than 78% of U.S. census tracts).
B+ #207 of 362 in Wisconsin; lower expected damage per building than 74% of U.S. towns (21,298).
Sugar Creek’s residents live in 4 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, Sugar Creek has more expected damage per building than 57% of Wisconsin towns.
In dollars, FEMA expects about $1.8M a year in losses across Sugar Creek: $1.2M to buildings, the rest to people and crops.
Does Sugar Creek flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Sugar Creek. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Sugar Creek 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.3 federal disasters brought FEMA money to Sugar Creek
Disasters that paid out in Sugar Creek itself (aid to households or repair grants to the Town of Sugar Creek), newest first, with that year’s flood claims.
- 2011Severe Winter Storm and Snowstorm$7K to the Town of Sugar Creek for repairs
- 2008Severe Storms, Tornadoes, and Flooding$21K to the Town of Sugar Creek for repairs
- 2008Record Snow and Near Record Snow$6K to the Town of Sugar Creek for repairs
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.
Old photos of Sugar Creek after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Sugar Creek archive →Sugar Creek and its neighbors
Sugar Creek is 6th of the 6 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 |
|---|---|---|---|
| Delavan | Aless damage than 92% | river and rain flooding | — |
| Elkhorn | Aless damage than 90% | river and rain flooding | — |
| Richmond | A−less damage than 77% | river and rain flooding | — |
| La Grange | A−less damage than 75% | river and rain flooding | 1 |
| Lafayette | B+less damage than 75% | river and rain flooding | — |
| Sugar Creek | B+less damage than 74% | river and rain flooding | 0 |
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 Sugar Creek 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 Sugar Creek
Is Sugar Creek at risk for natural disasters?
On FEMA’s National Risk Index, Sugar Creek has lower expected damage per building than 74% of U.S. towns: B+ for hazard risk, #207 of 362 in Wisconsin. Most of the expected damage is river and rain flooding (75%) and tornadoes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Sugar Creek 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 Sugar Creek?
FEMA’s Community Rating System list shows no discount for Sugar Creek’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 Sugar Creek?
By FEMA money that reached Sugar Creek, Severe Storms, Tornadoes, and Flooding (2008): $21K to the Town of Sugar Creek for repairs.
Is Sugar Creek at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (75%), and Sugar Creek’s rate for it is lower than 59% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Sugar Creek.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sugar Creek’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.