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Wind Point, WisconsinPhoto: LittleT889 · CC BY 4.0
A+Hazard risk
Natural hazards in Wind Point · FEMA

FEMA puts Wind Point’s expected hazard damage per building below that of 98% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Wind Point gets an A+ for hazard risk: lower expected damage per building than 98% of U.S. towns. Most of that expected damage is river and rain flooding (77%), then tornadoes (15%). Flood insurance has paid 1 claim here since 2022.

River and rain flooding 77%Tornadoes 15%Hail 6%

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

less than 98%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A+
in Wisconsin · lower than 98% of U.S. towns
Main hazard
River and rain flooding
77% of expected building damage
Flood claims
1
paid since 2022 · $15K
Disasters paid out here
4
of 14 declared for Racine County
By hazard

What Wind Point 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

77%of expected building damage
Well below average · lower than 89% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

15%of expected building damage
Above average · higher than 64% of U.S. census tracts

Hail

6%of expected building damage
Above average · higher than 75% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Strong wind Earthquakes Lightning Ice storms Coastal flooding Hurricanes Wildfire Winter storms Cold waves Heat waves Landslides
FEMA models no building damage here
AvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 29% of Wind Point’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.
Hazard risk grade

What’s behind Wind Point’s grade

River and rain flooding is 77% of the building damage FEMA expects in Wind Point, and Wind Point’s rate of river and rain flooding damage is lower than 89% of U.S. census tracts. Next is tornadoes at 15% (higher than 64% of U.S. census tracts).

Where Wind Point sits
Wind Point
Least damageMiddleMost damage

A+ lower expected damage per building than 98% of U.S. towns (21,298).

All of Wind Point’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding77%Tornadoes15%Hail6%Everything else3%

In dollars, FEMA expects about $442K a year in losses across Wind Point: $223K to buildings, the rest to people and crops.

Shared tract.All of Wind Point’s 1,651 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Wind Point flood? Rarely: 1 flood claim since 2022

Every paid claim on a federal flood insurance policy in Wind Point, from FEMA’s records: 1.3 per 1,000 homes, fewer than 72% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2022: 1 claim2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2022
20222026
1
paid claims since 2022
$15K
paid to owners
0
homes flooded more than once
$15K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Wind Point 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

4 federal disasters brought FEMA money to Wind Point

Disasters that paid out in Wind Point itself (aid to households or repair grants to the Village of Wind Point), newest first, with that year’s flood claims.

  1. 2020Severe Winter Storm and Flooding$28K to the Village of Wind Point for repairs
  2. 2011Severe Winter Storm and Snowstorm$4K to the Village of Wind Point for repairs
  3. 2008Record Snow and Near Record Snow$3K to the Village of Wind Point for repairs
  4. 2000Snow$2K to the Village of Wind Point for repairs
Disasters declared, by decade
Paid out in Wind PointRacine 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 Point after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Wind Point archive →
Next door

Wind Point and its neighbors

Wind Point has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.

Caledonia: hazard risk ACaledoniaWind Point
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Wind PointA+less damage than 98%river and rain flooding1
CaledoniaAless damage than 91%river and rain flooding3

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 Point 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Hail
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Wind Point

Is Wind Point at risk for natural disasters?

On FEMA’s National Risk Index, Wind Point has lower expected damage per building than 98% of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (77%) and tornadoes (15%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Wind Point flood?

Flood insurance has paid 1 claim in Wind Point since 2022, $15K in all, or 1.3 per 1,000 homes, fewer than 72% of U.S. towns with a flood insurance record.

Is Wind Point 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 Point?

FEMA’s Community Rating System list shows no discount for Wind Point’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 Wind Point?

By FEMA money that reached Wind Point, Severe Winter Storm and Flooding (2020): $28K to the Village of Wind Point for repairs.

Is Wind Point at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (77%), and Wind Point’s rate for it is lower than 89% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Wind Point.

Town Square →
Start the conversation

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