Enter any address in Ozaukee County, Wisconsin to see its FEMA flood zone
Flash flooding from intense rainfall events dominates Ozaukee County's flood history. Over the past 30 years, NOAA Storm Events data shows 26 flood events and 15 flash flood events, with one recorded fatality. A notable example occurred on August 10, 2025, when historic flash flooding and record rainfall, exceeding 10 inches in many areas, caused widespread inundation of streets, creeks, and rivers across the Milwaukee Metropolitan Area and Southeast Wisconsin, resulting in damages in the hundreds of millions.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most claims, with an average payout of $13,196 and an average water depth of 4.9 feet. While Zone X_SHADED shows a high average payout of $9,049, it also reports an unusually high average water depth of 22.0 feet, suggesting significant flood impacts in this zone. Homeowners in Zone A, Zone X_SHADED, and those in areas prone to flash flooding should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
31 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Ozaukee County, Wisconsin has recorded 44 flood-related events since 1996 according to NOAA's Storm Events Database, including 15 flash floods and 26 river or area floods. The county has received 13 federal disaster declarations, 4 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1965–2020)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Tornadoes, Straight-line Winds, Flooding, And Landslides | Flood | Aug 17, 2018 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Jun 5, 2008 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Severe Storms And Flooding | Severe Storm | May 7, 2004 |
| Snow | Snowstorm | Dec 11, 2000 |
| Severe Storms And Flooding | Severe Storm | Jun 21, 1997 |
| Severe Storms & Hail | Severe Storm | Jul 7, 1991 |
| Severe Storms & Flooding | Flood | Sep 10, 1986 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Aug 11, 2025 | 4.00K |
| Flood | Aug 10, 2025 | 1.00K |
| Flash Flood | Aug 10, 2025 | 50.00K |
| Flash Flood | Aug 10, 2025 | 450.00K |
| Flood | Apr 19, 2023 | 2.00K |
| Flash Flood | Aug 7, 2021 | 1.00K |
| Flood | May 18, 2020 | 2.00K |
| Flood | May 17, 2020 | 30.00K (1 deaths) |
| Lakeshore Flood | May 17, 2020 | — |
| Lakeshore Flood | Jan 11, 2020 | 65.00K |
Flood — Aug 11, 2025
A historic flash flood and record rainfall occurred over portions of the Milwaukee Metropolitan Area and Southeast WI resulting in damages in the $100s Millions. Warm, moist, and unstable air rose along a stalled front to produce numerous thunderstorms and more than 10 inches of rain in many locations. Widespread flash flooding of streets, creeks, rivers, and low lying neighborhoods occurred. A...
Flood — Aug 10, 2025
A historic flash flood and record rainfall occurred over portions of the Milwaukee Metropolitan Area and Southeast WI resulting in damages in the $100s Millions. Warm, moist, and unstable air rose along a stalled front to produce numerous thunderstorms and more than 10 inches of rain in many locations. Widespread flash flooding of streets, creeks, rivers, and low lying neighborhoods occurred. A...
Flash Flood — Aug 10, 2025
A historic flash flood and record rainfall occurred over portions of the Milwaukee Metropolitan Area and Southeast WI resulting in damages in the $100s Millions. Warm, moist, and unstable air rose along a stalled front to produce numerous thunderstorms and more than 10 inches of rain in many locations. Widespread flash flooding of streets, creeks, rivers, and low lying neighborhoods occurred. A...
Flood — Apr 19, 2023
A surge of relatively mild, moist, and unstable air aloft brought rounds of strong to severe thunderstorms to southern WI. Numerous reports of large hail were received. Flash flooding and general flooding occurred in urban areas.
Flash Flood — Aug 7, 2021
Training thunderstorms across portions of east-central and southeast Wisconsin brought multiple rounds of heavy rain, resulting in flash flooding across portions of Ozaukee and Milwaukee counties late August 7th into the early morning hours on August 8th.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Ozaukee County, Wisconsin:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Ozaukee County, Wisconsin that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.