FEMA flood zones · Wisconsin

Florence County, Wisconsin Flood Zone Map

1 flood insurance claims·$4,849 paid·1 federal flood & hurricane disasters

3% of Florence County’s area is in FEMA’s high-risk flood zones.

Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Florence County, Wisconsin. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

In their words

1 NOAA storm reports from Florence County describe what happened, in the words of the forecasters who covered it. Read the Wisconsin flood stories →

Federal disasters

6 federal disaster declarations since 1976, 1 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Storms And FloodingJul 11, 2016
Hurricane Katrina EvacuationAug 29, 2005
Flood-07/20/99Jul 4, 1999
DroughtJun 17, 1976

Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.

Recorded flood events

8 since 1996: 3 flash floods and 5 river or area floods.

EventDateDamage
Flash FloodJul 27, 2010$1,000
FloodApr 20, 2004—
FloodApr 14, 2002—
Flash FloodApr 11, 2002—
FloodMay 10, 2002—
FloodJul 15, 1999—
Flash FloodJul 15, 1999$1.6M
FloodApr 19, 1996—

— = no damage estimate in the record. Source: NOAA Storm Events Database.

From the storm reports

Flash Flood · Jul 27, 2010. A cold front combined with a warm and humid air mass to trigger thunderstorms that moved across northeast Wisconsin. The storms produced hail to golf ball size, wind gusts to 95 mph, funnel clouds and heavy rainfall that led to flash flooding. Downed trees and power lines were common and thousands of homes lost power.

Flood · Apr 20, 2004. Snow melt from Michigan's upper peninsula drained into the Brule and Menominee rivers causing minor flood in mid April.

Flood · Apr 14, 2002. Warm temperatures during the second week of the month led to significant runoff from snow melt over the northeast Wisconsin. The melted snow plus additional rainfall resulted in moderate flooding in the Brule/Menominee river basin (Florence co. and Marinette co.). Flooding was mostly to boat docks, piers and wooded areas, but homes in Aurora (Florence co.) were flooded as the Menominee river rose to more than 3…

Flash Flood · Apr 11, 2002. Significant rainfall and snow melt resulted in the flooding of roads and low lying areas across north-central Wisconsin.

National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.

The zones you’ll see on the map

Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Florence County

If a building in Florence County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.

Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.