–Not graded

Natural hazards in Wind Lake · FEMA

Storms, floods and disasters in Wind Lake

Wind Lake isn’t graded for hazard risk: Wind Lake is a Census area inside a town, graded with the town. Flood insurance has paid 1 claim here since 1999.

Flood claims

paid since 1999 · $1K

Disasters paid out here

of 14 declared for Racine County

By hazard

What Wind Lake 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

88%of expected building damage

Above average · higher than 72% of U.S. census tracts

Recorded about 2 times a year in the area

Tornadoes

8%of expected building damage

Above average · higher than 70% of U.S. census tracts

Smaller shares here

Hail 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 Wind Lake’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.

Flood insurance claims

Does Wind Lake flood? Rarely: 1 flood claim since 1999

Every paid claim on a federal flood insurance policy in Wind Lake, from FEMA’s records.

Paid flood claims, by year

1999

19992026

paid claims since 1999

$1K

paid to owners

homes flooded more than once

$1K

average claim

of homes in flood zones are insured

of all homes are insured

No community discount

Wind Lake 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.

Disasters

The storms Wind Lake remembers

None of the 14 disasters declared for Racine County shows FEMA aid or repair money reaching Wind Lake itself in FEMA’s records, so these are its biggest flood-claim years.

19991 flood claims paidNo declaration for the county that year

Disasters declared, by decade

Paid out in Wind LakeRacine County only

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.

Were you here?

Old photos of Wind Lake after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Wind Lake archive →

Next door

Wind Lake and its neighbors

How expected damage per building compares across the town line. Tap a town to see its hazards.

NorwayMuskegoTichiganWaterfordWind Lake

Lowest fifthSecondMiddleFourthHighest fifth

Town	Hazard risk	Mostly (buildings)	Flood claims
Muskego	B⁺less damage than 74%	river and rain flooding	36
Norway	B⁻more damage than 51%	river and rain flooding	20
Tichigan	—	a Census area inside a town; graded with the town
Waterford	—	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.

Be ready

Get ready for what Wind Lake 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.

Questions about natural hazards in Wind Lake

Does Wind Lake flood?

Flood insurance has paid 1 claim in Wind Lake since 1999, $1K in all.

Is Wind Lake 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 Wind Lake?

FEMA’s Community Rating System list shows no discount for Wind Lake’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Storm stories

Memories, warnings and help from neighbors in Wind Lake.

Town Square →

Start the conversation

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

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