Wisconsin Home-Insurance Distress by County

Home-insurance distress across Wisconsin is below the national norm: 72 counties average 23/100, 36th of 52 states.

8 of Wisconsin's 72 counties score 70 or higher (severe).

Wisconsin's reading rests on a FEMA hazard average of 19/100 and NFIP flood-claim stress of 34/100.

Over three years Wisconsin counties filed 665 NFIP flood claims, $24,281,940 paid.

Highest in Wisconsin: Milwaukee County 85/100 (#228 US), Waukesha County 85/100 (#234 US), Washington County 80/100 (#358 US), Outagamie County 74/100 (#519 US), Waupaca County 74/100 (#521 US).

Wisconsin counties by insurance band: 30 zero (Wisconsin), 27 low, 15 medium; Wisconsin NFIP claims, three years: 665; Wisconsin payouts $24.3 million.

Wisconsin counties with the most NFIP claims: Milwaukee 283 ($11.9 million); Waukesha 102 ($4.6 million); Waupaca 71 ($2.2 million) in Wisconsin; Outagamie 36 ($1.6 million); Winnebago 30 ($651,336).

Wisconsin county average rose: 9.9 in March 2026; Wisconsin reads 21.5 in October 2026; Wisconsin by month: March 9.9, April 9.9, May 11.4 (Wisconsin), June 11.4, July 19.8, August 19.6 (Wisconsin), September 21.4, October 21.5.

Highest Wisconsin ZIPs, insurance distress: 33955 81 (climate 94), 33976 47 (climate 99) in Wisconsin, 33972 47 (climate 99), 33971 47 (climate 99) in Wisconsin, 33905 47 (climate 99), 33907 47 (climate 99) in Wisconsin.

Reading the Wisconsin bands: 0 of 72 Wisconsin counties sit in a high or worse insurance band; Wisconsin filed 665 NFIP claims in three years, $24.3 million paid to Wisconsin policyholders; a Wisconsin county's band moves when FEMA hazard revisions, new Wisconsin NFIP settlements or carrier filings change its monthly score.