FEMA expects less hazard damage per building in Trenton than in 89% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Trenton gets an A for hazard risk: lower expected damage per building than 89% of U.S. towns. Most of that expected damage is river and rain flooding (66%), then tornadoes (17%). 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 Trenton 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 Trenton’s grade
River and rain flooding is 66% of the building damage FEMA expects in Trenton, and Trenton’s rate of river and rain flooding damage is lower than 82% of U.S. census tracts. Next is tornadoes at 17% (higher than 80% of U.S. census tracts).
A lower expected damage per building than 89% of U.S. towns (21,298).
Trenton’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $569K a year in losses across Trenton: $372K to buildings, the rest to people and crops.
Does Trenton flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Trenton. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Trenton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Dodge County.The storms Trenton remembers
None of the 10 disasters declared for Dodge County shows FEMA aid or repair money reaching Trenton itself in FEMA’s records, so these are its biggest flood-claim years.
Dodge 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.
Trenton and its neighbors
Trenton is 2nd of the 7 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 |
|---|---|---|---|
| Alto | Aless damage than 91% | river and rain flooding | — |
| Trenton | Aless damage than 89% | river and rain flooding | 0 |
| Beaver Dam | Aless damage than 89% | river and rain flooding | 2 |
| Beaver Dam | Aless damage than 88% | river and rain flooding | — |
| Fox Lake | A−less damage than 82% | river and rain flooding | — |
| Westford | A−less damage than 80% | river and rain flooding | 2 |
| Waupun | B+less damage than 67% | river and rain flooding | 11 |
| Chester | — | 855 residents; we grade 1,000+ | |
| Burnett | — | 799 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.
Get ready for what Trenton 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 Trenton
Is Trenton at risk for natural disasters?
On FEMA’s National Risk Index, Trenton has lower expected damage per building than 89% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (66%) and tornadoes (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Trenton 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 Dodge County, 22% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Trenton?
FEMA’s Community Rating System list shows no discount for Trenton’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Trenton at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (66%), and Trenton’s rate for it is lower than 82% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Trenton.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Trenton’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.