Wisconsin Flood Insurance
Forced to Buy Flood Insurance in Wisconsin?
✅ Basement Options: We find coverage WI basements actually need.
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We’re the Flood Nerds. We’ve been protecting Wisconsin homes for 10+ years.
We’re insanely good at it.
But honestly? You probably don’t care.
You just want a quote so you can move on with your life.
Cool — let’s do that.
Get Cheap Flood Insurance Wisconsin without Compromising Your Coverage.
Wisconsin Flood Insurance: Frequently Asked Questions (FAQ)
How much is flood insurance in Wisconsin?
Flood insurance in Wisconsin typically costs between $595 and $973 per year. Rates vary based on your specific flood zone, property elevation, and proximity to major bodies of water like Lake Michigan or the Wisconsin River.
Most homes in low-risk “Zone X” fall in the $500–$700/year range. However, for high-risk AE zones in cities like Green Bay or Milwaukee, private market options often save homeowners 20–50% compared to the government’s set rates. The only way to know your real number is a quick 2-minute quote.
Wisconsin Floodplain Map: Is Your Property At Risk?
FEMA’s official Wisconsin flood maps are the starting point, but they don’t always tell the whole story. Most are decades out of date and don’t account for recent “Spring Thaw” patterns or new local construction upstream from your home.
Check the Official FEMA Map: [Link to FEMA Map Service Center]
View the WI DNR Inventory: [Link to Wisconsin DNR Floodplain page]
Get Your Personalized Risk Report: We don’t just look at the old maps; we pull current FIRM data and local studies to give you a real-world look at your risk. With every quote we provide, we include a copy of your specific flood map so you can see your current risk for yourself.
What is the difference between NFIP and Private flood insurance in Wisconsin?
NFIP: Government-backed, fixed $250k building cap, available to everyone.
Private: Often cheaper for Zone AE homes, offers higher coverage limits (over $1M), and includes “loss of use” coverage. Some include Basement coverage if this is important to you ask your flood nerd to find that policy
Many Wisconsinites are switching to private insurance because the NFIP does not cover “Loss of Use.” If a flood forces you out of your home, the government won’t pay for your hotel or temporary housing—but many of our private policies will.
Does homeowners insurance cover flood damage in Wisconsin?
No. Standard homeowners, condo, and renters insurance policies in Wisconsin specifically exclude “rising water” or flood damage. You must have a separate, dedicated flood policy to be protected.
This is the most dangerous misconception in the industry. Even if you have “water backup” coverage on your home policy, that usually only covers sewer or drain failure. True flood damage—water coming from the ground up or a nearby body of water—requires a stand-alone flood policy.
Do I need an elevation certificate to get flood insurance in Wisconsin?
For NFIP (Government) policies, an elevation certificate is often required to determine your rate. However, most private flood insurers in Wisconsin do not require an elevation certificate, making the process much faster and cheaper.
If your lender is “forcing” you to buy insurance, don’t rush out and spend $500+ on a surveyor for an elevation certificate. Let us check the private market first—we can usually get you a binder in 24 hours without the extra paperwork.
Does Wisconsin flood insurance cover my basement?
The government’s NFIP policy offers very limited coverage for basement contents (mostly just mechanicals like your furnace). Private policies in Wisconsin often offer enhanced basement endorsements that provide much broader protection.
Since almost every home in Milwaukee and Madison has a basement, this is a massive risk gap. We prioritize carriers that understand the “Wisconsin Basement” and offer the options you need to protect your finished spaces and belongings.
Flood Zone X vs AE in Wisconsin
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Zone AE: High-risk flood area; insurance is typically required by lenders and carries higher premiums.
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Zone X: Low-to-moderate risk area; insurance is optional but recommended as 25% of claims occur here.
Flood zones in Wisconsin help determine both your flood risk and whether insurance is required. While Zone AE properties are near rivers or coastal lake areas with high frequency, Zone X covers inland areas where drainage issues cause unexpected damage. The key thing most people miss: Flood zones are a starting point, not the full picture. Two homes in the same zone can have very different actual risk and pricing.
Do I need flood insurance in Wisconsin?
Mandatory: If you have a mortgage and live in a high-risk zone (Zone AE or V).
Recommended: If you are in Zone X, as 1 in 4 claims in Wisconsin occur in these “low-risk” areas.
The Reality: Standard homeowners insurance does not cover flood damage; a separate policy is the only way to be protected.
While lenders only force you to buy coverage in “Special Flood Hazard Areas,” Wisconsin’s heavy spring snowmelt and aging infrastructure mean risk exists everywhere. In places like Milwaukee or Madison, urban drainage backups can flood a “low-risk” Zone X home just as easily as a riverfront property on the Fox River.
In Green Bay, rising lake levels can push water into neighborhoods that haven’t seen flooding in decades. Without a specific flood policy, you are responsible for 100% of the repair costs—which in Wisconsin, averages over $38,000 per event.
Is there a waiting period for flood insurance in Wisconsin?
• NFIP (Government): 30-day waiting period.
Private Flood: Typically 0 to 14 days.
Exceptions: If you are closing on a new home loan, the waiting period is usually waived.
You cannot buy flood insurance the day a storm is forecasted and expect coverage. Because of the 30-day NFIP rule, Wisconsinites should secure a policy well before the spring snowmelt or rainy season begins. Private insurance offers more flexibility if you need coverage quickly for a real estate closing or an immediate threat.
What flood zone am I in in Wisconsin?
Official Search: Use the FEMA Flood Map Service Center or the Wisconsin DNR Floodplain Inventory.
Local Data: In cities like Milwaukee, Madison, or Green Bay, use your specific county GIS portal (like Map Milwaukee or the Dane County DCiMap) for the most precise local elevation and watershed data.
Instant Expert Check: Run a quick quote with us—we pull your specific FIRM (Flood Insurance Rate Map) data and local Wisconsin flood study info instantly.
Flood zones in Wisconsin are determined by FEMA and the Wisconsin DNR to show exactly how likely your property is to flood. The most common labels you’ll see in the Badger State are high-risk (Zone AE or A) and lower-risk (Zone X), but the label alone doesn’t tell the full story.
In areas like Milwaukee, Madison, or Green Bay, local studies often show risk that the older FEMA maps haven’t caught yet. The easiest way to find your exact flood zone is to use a map lookup tool—or just run a quick quote with us. We’ll pull an accurate determination for your property, check the latest local Wisconsin data, and explain what it actually means for your real-world risk.
👉 [Run a quick quote and we’ll show you your flood zone + risk breakdown.]
Is flood insurance required by law in Wisconsin?
Federally Backed Mortgages: Yes, if your home is in a high-risk Special Flood Hazard Area (SFHA), insurance is legally required.
Cash Buyers/Low-Risk Zones: No, but highly recommended as lenders can change requirements if FEMA maps are updated.
While Wisconsin state law doesn’t mandate flood insurance for everyone, your lender almost certainly will if you’re in a high-risk “blue zone” on the map. However, as Wisconsin experiences more unpredictable spring snowmelts and intense rainfalls, many “Zone X” homeowners are finding that being “not required” is not the same as being “not at risk.”
What is the average cost of a flood claim in Wisconsin?
Even a few inches of water can cause over $25,000 in damage. In Wisconsin, a single major event (like the historic Milwaukee floods) can result in average household repair costs of $38,000 to $50,000, covering everything from structural repairs to mold remediation and debris removal.
Many Wisconsin homeowners assume they can “self-insure” or rely on FEMA grants, but federal disaster awards often average less than $4,000—and they usually come as loans you have to pay back. Flood damage is uniquely expensive in Wisconsin because of hydrostatic pressure (which can crack basement walls) and the cost of drying out finished lower levels. A policy that costs $600 a year is a tiny fraction of the cost of a $50,000 restoration bill.
How do I file a flood insurance claim in Wisconsin?
Notify your provider immediately. Because the claims process is time-sensitive, we created a Underwriter & Claims Directory as a public resource. Even if you don’t have a policy with us, you can use this list to find your carrier’s direct contact info. If you can’t find your company or can’t get through, reach out to us—we’re more than happy to point you in the right direction.
Filing a claim is about building a case. If you are a Better Flood client, we manage this high-stress process with you. Here is the Wisconsin protocol:
The Digital Paper Trail: Before you touch anything, take a video walkthrough. Wisconsin adjusters need to see the “high-water mark” on your basement walls or foundation.
Mitigate, Don’t Renovate: You must prevent further damage (like pumping out a basement), but do not throw away soaked items until the adjuster sees them. If you must move them outside, keep a “swatch” or sample for inspection.
The “Out-of-Pocket” Log: Keep every receipt for shop-vac rentals or hotels in Green Bay or Milwaukee. Many of our private policies include “Loss of Use” coverage that reimburses these costs.
The Nerd Advantage: When you have coverage through us, you aren’t just calling a 1-800 number. You have a team to help you navigate the nuances of your policy, ensuring you don’t leave money on the table for overlooked items like debris removal.
Can’t find your carrier? Use our Underwriter Search Tool or call us. We believe no Wisconsinite should have to navigate a flood alone.
The "Big Name" Illusion: Why Your Current Agent Might Not Have a Choice
For homeowners in Milwaukee, Green Bay, and Madison, as well as across Waukesha, Racine, and Washington Counties, it’s a common surprise to find out that “Big Name” insurance isn’t always what it seems.
If you have a flood policy with State Farm, Progressive, Nationwide, Allstate, or most other major carriers, you aren’t actually buying their insurance. You are buying a government NFIP policy that they are simply reselling for a fee. While these are great companies, their “private” flood options in Wisconsin are often non-existent—meaning they are legally bound to give you the same government rates, the same $250k limits, and the same basement exclusions as everyone else.
There are currently about 70 companies that act as NFIP resellers. If you’re writing a research paper and need the full list, or if you just want to know if your current carrier is on it, just email us and we’ll get it to you. > We believe in transparency for the Badger State. Whether you are dealing with the riverfront risks in La Crosse, the high-density urban runoff in Eau Claire, or the “Flash Flood” zones in Chippewa Falls, you deserve to know if you’re stuck in a government box or if there’s a better, truly private option available for your home.
You can buy flood insurance through Better Flood Insurance, your dedicated team of Wisconsin Flood Nerds!
We don’t just sell insurance; we shop the entire market. Because we have access to exclusive private carriers that most local agents don’t even know exist, we can find the “hidden gems” of coverage. Whether you’re in a high-risk zone in Milwaukee or looking for basement protection in Madison, we compare every option to ensure you’re getting the best possible rate in the Badger State.
We typically get initial quotes out in 5–30 minutes for most properties. However, due to high demand (we’re getting a lot!), or if we’re not immediately satisfied with the quotes we receive, we’ll keep shopping aggressively—remember, we have access to 40+ private insurers. For a handful of properties (yours might be one), this detailed manual search can take around 2 hours. We genuinely appreciate your patience as we battle to secure the best possible deal.
We’re a flood-only insurance agency with real, licensed advisors. No gimmicks. No spam. We never sell your information — ever. Just honest advice and real coverage you can count on.
Even if your property ends up being one of the few we can’t currently help, we still perform a thorough manual review. You’ll typically hear back from us within 2–3 business days with clear explanations and feedback about your situation, so you’re never left in the dark.
Not at all. Mortgage lenders accept both private and NFIP flood insurance—as long as your coverage meets their required guidelines, which ours always does.
Great! We’d love to help you make sure you’re getting a good deal. If you’ve got a quote you want reviewed, just send it our way. We’ll do a quick, no-cost audit and let you know if it’s Flood Nerd approved. If it is, we’ll give you a thumbs up. If not, we’ll clearly explain why—and help you find something better.
You definitely can—but why would you? Seriously, try it. Run a quick Google search for private flood insurance. You’ll probably land on familiar names like Hartford, State Farm, Farmers, Progressive, or Geico. The problem? They don’t actually offer private flood insurance. Due to agreements signed years ago, they’re locked into selling NFIP policies only—leaving you stuck in the same overpriced cycle.
Beyond that, if you dig deeper, you’ll discover a maze of cheap, flimsy “private” policies that barely cover anything. And the worst part? Most homeowners don’t find out until floodwaters hit their living rooms. We refuse to work with these sub-par options because your home deserves serious coverage.
Unfortunately, if you’re currently covered by NFIP, the answer is no—and believe us, we wish it wasn’t this way. Because NFIP is a government-backed program, they set the rules—and one of those rules is that you can only switch at renewal. (Don’t shoot the messenger!)
But here’s what Flood Nerds will do: if we find you a better, lower-priced private option but can’t switch you immediately, we’ll note your renewal date, proactively follow up, and make sure you lock in the savings at that time. You won’t have to lift a finger—we’ll handle everything smoothly when the time comes.
Absolutely. We only work with A-rated, rock-solid insurers who have proven track records of handling and paying claims smoothly. Your peace of mind is our top priority. And the best part? Claims in the private market are usually settled much faster than with NFIP, meaning you’ll get back into your home quicker and with fewer headaches.
Easy—we handle this situation regularly. If your lender has already paid for your current policy, we can still switch you into the lower-priced option right away. You may initially pay the first year of your new (lower) policy out-of-pocket, but don’t worry—you’ll quickly get a prorated refund from your previous insurer for the unused premium.
You might need to settle the refunded amount with your lender or deposit it back into your escrow account, but that’s straightforward—and we’re here to help you navigate every step, making it seamless and stress-free.
Often, your coverage can actually get better! Private insurers frequently offer more flexible and broader options than standard NFIP coverage—but we’ll ensure it matches your needs exactly.
Possibly. It depends on your property’s unique flood history, but we’ll definitely take a look. Even if we can’t help immediately, we’ll give you clear guidance on your best path forward.
Simple—because we have zero incentive to favor one insurer over another. Our only goal is to win your business by saving you money. If there’s a better deal, trust us, we’ll find it.
Absolutely. In fact, the vast majority of private flood insurance in the U.S. is backed by Lloyd’s of London, the largest and most trusted flood insurer worldwide. Lloyd’s even backs the government-run NFIP through re-insurance—so the NFIP itself relies on Lloyd’s. Bottom line: you’re in exceptionally safe and stable hands when you choose private flood coverage.
Once your policy is issued, sudden cancellations are extremely rare. Typically, policies can only be canceled if there’s been incorrect information provided during underwriting (which won’t happen when you work with us), or if critical information was intentionally withheld. These scenarios are incredibly rare. However, if any issue ever arises, we’ll step in immediately and help you navigate every step, ensuring your coverage stays seamless and stable.
Not at all! We handle the entire switching process for you, making it smooth and stress-free. The only thing to keep in mind is, if you’re currently insured by NFIP, we can only switch your coverage at renewal. But even then, we’ll set everything up ahead of time so the transition is seamless.
Absolutely. One cancellation doesn’t disqualify you. The Lloyd’s marketplace has many different underwriters, each with their own criteria. If one Lloyd’s underwriter non-renews or cancels your policy, we’ll simply shop your coverage across our 40+ private carriers—often finding another Lloyd’s underwriter willing to cover your property.
Accordion ContentUnfortunately, this can happen—but it’s pretty rare. The vast majority of homeowners experience no issues at renewal. However, if your property happens to be one of the few that gets non-renewed, you’re still in great hands. Flood Nerds has access to over 40 private insurers, so we’ll proactively shop around and smoothly transition you to another quality insurer, with minimal hassle.
Unfortunately, private insurers can be hesitant about properties that recently flooded, and generally won’t offer immediate coverage. However, this doesn’t mean you’re stuck forever. As the market evolves, we continually monitor changes, and we’ll reassess your situation each year. If and when new options become available, you’ll be the first to know.
We Get It,
Buying Flood Insurance in Wisconsin Is Confusing…
You might be asking:
• What coverage do I need?
• How much is flood insurance in Wisconsin going to cost me?
• How much can I save?
It’s okay, your search for cost-effective Wisconsin flood insurance that doesn’t compromise on coverage ends here.
We Find You Great Coverage
While Saving You Up To $1,457+ A Year!
What you seek is:
Enhanced security for your Wisconsin Property.
Significant savings.
Absolute freedom.
Unwavering certainty.
Memorable moments.
Quality family time.
Peaceful travels.
What are the types of flood insurance available in Wisconsin?
In Wisconsin, you can choose between National Flood Insurance Program (NFIP) policies and private flood insurance policies. NFIP policies are backed by the federal government and have standard coverage limits, while private flood insurance can offer higher limits and additional coverage options.
How do I determine my flood risk in Wisconsin?
You can check FEMA’s Flood Insurance Rate Maps (FIRMs) or use our online lookup tool, but the most accurate risk assessment starts with your own eyes and a simple understanding of Wisconsin geography.
Most flood maps are nearly 50 years old—they aren’t keeping up with shifting weather patterns or new construction. Think about the infrastructure around you: if a new mall or subdivision was built “upstream” at a higher elevation, that’s thousands of square feet of concrete that no longer absorbs water.
When rain hits a large footprint, that water has to go somewhere, and it always runs to the lowest point. If you live near a ditch, canal, or local drainage basin, you are likely at the lowest point in the area. By being intentional and paying attention to where water accumulates during a heavy Madison or Milwaukee downpour, you’ll realize that “Low-risk Zone X” on a 1970s map doesn’t mean your living room is safe today.
Can I purchase flood insurance at any time?
Yes, you can purchase flood insurance at any time. However, NFIP policies typically have a 30-day waiting period before coverage begins, while private flood insurance policies often have shorter waiting periods or none at all if required by a lender.
The Importance of Flood Insurance in Wisconsin
Wisconsin, known for its beautiful lakes, rivers, and the mighty Mississippi, isn’t immune to the dangers of flooding. From the shores of Lake Michigan to the Wisconsin Dells, flood risks are a serious concern for homeowners across the state. Even in areas where you might not expect it, such as the rolling farmlands of the Driftless Area or the bustling streets of Milwaukee, flooding can occur and cause significant damage.
Why Flood Insurance is Essential
Flood insurance is not just for those living near water bodies like Lake Winnebago or the Fox River. In fact, 20% of flood insurance claims come from low to moderate-risk areas. Whether you’re in Madison or up in Green Bay, it’s crucial to understand that heavy rainfall, snowmelt, and rising rivers can all contribute to unexpected flooding. The cost of flood damage can be staggering, with average claims in Wisconsin reaching over $22,000.
Recent Changes in Flood Insurance Regulations
The introduction of FEMA’s Risk Rating 2.0 has brought significant changes to how flood insurance premiums are calculated. This new methodology considers various factors, such as distance to water, property elevation, and flood frequency, providing more accurate risk assessments. For Wisconsin residents, this means a more tailored premium that reflects the true risk of flooding in your area, whether you’re in Eau Claire or Sheboygan.
Wisconsin Floodplain Map: Is Your Property At Risk?
I ask you to consider the facts: 20 percent of all flooding events across our nation come in areas that are considered low risk. After our last few major storms (Hurricane Harvey), we saw flooding in these low-risk areas. Eighty percent of these individuals had water in their homes or building and didn’t have flood insurance coverage.
In Harris county, nearly 135,000 homes were damaged. Three-fourths of these properties were considered low to moderate risk.
We often hear that people believe that the government will help, which is true. However, a few things must align for you to get government assistance.
Flooding in Wisconsin map
1 – The president of the United States must declare the flooding event a state of emergency. If this doesn’t happen, then there won’t be assistance.
2 – Homeowners’ average amount of assistance after a flood, when they do not have flood coverage, is $5,000. The average cost of damage to one’s property after a flood is $38,000+. That $5K you get from the government? It comes as a loan, and you will need to pay it back. Are you willing to gamble your financial future by forgoing flood insurance coverage?
Wisconsin Flood zone map
One more note on these low-risk flood zone maps. Many of these maps are over 40 years old. If the area has been developed, there is likely more concrete, creating a barrier for land that, previously, might have absorbed the massive downpour.
Because of all these factors, it is difficult for property owners to know their true risk of flooding. FEMA admits that their flood maps only give an idea of part of the risk. Our recent storms are facts that it can rain anywhere within Wisconsin, and you should consider getting flood coverage so you are not uninsured when you need it most.
FEMA flood zone maps often take years to go into effect after the terrain was studied; this gives the impression that the area is “more up to date” than it is.
The average cost for Wisconsin flood insurance in these Low-risk areas is $595 per year.
FEMA’s National Flood Insurance Program (NFIP) and all federally backed lenders rely on these Wisconsin flood insurance maps to assess risk, set premiums, and determine who is required to purchase flood insurance. Bad information about an area’s flood risk can leave property owners uninsured.
Wisconsin NFIP flood insurance.
The National Flood Insurance Program (NFIP), also known as FEMA, is the government option for flood insurance. The NFIP has enjoyed a 50-state monopoly on the flood insurance market.
Not “private flood insurance” but NFIP Resellers
For homeowners in Milwaukee, Green Bay, Dane County (Madison), Door County and Milwaukee County it’s important to know that companies like State Farm or Progressive are actually just NFIP resellersIf you have Nationwide Flood Insurance, State Farm Flood Insurance, Progressive Flood Insurance, or any of the logos below, Suppose you have Nationwide Flood Insurance, State Farm Flood Insurance, Progressive Flood Insurance, or any of the logos below. In that case, you are buying the NFIP flood policy that is just being resold through a government program. These companies are private companies, but their flood insurance is not. Here is a list of the 70 companies that resell the NFIP policy.
Private flood insurance in Wisconsin
There are alternatives to the NFIP or government insurance. It is called Private flood insurance, most notably Lloyd’s of London Flood insurance. However, there are other options available in Wisconsin. We shop all the options for your property in your region to ensure you are getting the best premium. Please click here if you are ready to have us do the work for you.
Our shopping includes the NFIP because sometimes we find that you can get a much better premium with government subsidies.
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Lloyd’s of London Flood Insurance Wisconsin Market
Wisconsin is fortunate to have many Lloyd’s of London flood insurance options. Although many Lloyds flood insurance companies will have you assume that there is only one option, nothing could be further from the truth.
Lloyd’s of London has a rich history attributed to having invented the first modern insurance model. Unlike most of its competition, Lloyd’s of London is not a company but a corporate body. This structure works well since it has been around for over 330 years. Lloyd’s operates under multiple financial backers pooling their capital to spread the risk.
I have two blog posts that deeply dive into Lloyd’s of London and what they mean to Wisconsin’s flood insurance market. If you are interested, the links are below.
Lloyd’s of London Flood Insurance
Private flood insurance vs. FEMA
Lloyd’s also ensures the world for flood insurance, meaning they cover flooding events in India, Australia, and much of Europe. The “game” of insurance is to spread your risk since Lloyd’s is worldwide.
This is usually identified as an X-flood zone. Then we would suggest the government Preferred Risk Policy (PRP) which is a subsidized policy and has set flood insurance coverage limits (see gthe rid below):
The average cost for flood insurance in Wisconsin with the maximum set limits in these Low-risk flood zone areas is $405 – $700 per year.
If your property is in ha igher-risk flood zone, it is usually identified with a Flood Zone AE. Your lender will require you to have flood insurance. The cost of flood insurance in Wisconsin depends on many factors unique to the structure. We will try to give you an idea of the most common homes we see in Wisconsin with a basement foundation.
We will look at the Wisconsin cost of flood insurance for the NFIP maximum of $250,000 for the (building only) with NO CONTENTS and our recommended deductible of $5,000.
We will be rating this example on the NFIP and on a few of our private flood insurance policies, specifically Lloyds flood insurance options in Wisconsin.
Cost of Flood Insurance in WISCONSIN in high-risk flood zone AE
Our example is Green Bay, but the premiums will be the same if in Fond du Lac, La Crosse, Milwaukee, Winnebago, and many other Wisconsin flood ones.
In our example, the Base Flood Elevation (BFE is 591) and is a home that is built before 1973
Wisconsin Flood Zone map
Currently, Wisconsin has 12,112 NFIP policies in force to date, with a total cost of $11,790,299. That would make the average for Wisconsin $973. Of course, some will pay more, and some will pay less.
Click here to have our shop and save money.
Flood Insurance Wisconsin
Hello, Wisconsin! Thanks for visiting our page for all your flood insurance needs.
Let’s start with Adams and Allouez, Wisconsin, where there are 145 flood policies in effect with $121,469 in total premiums. The average flood rate here is $838.
Next, we move on to Green Bay, Wisconsin. Green Bay is the home of the Green Bay Packers! Green Bay has the highest number of flood policies in the state at 707! The premiums here total up to $802,194, with an average flood rate of $1,135.
In Howard and Suamico, Wisconsin, we have an average flood rate of $1,050. The total number of policies here is 122, with $128,137 in total premiums.
$1,061 is the average flood rate for Burnett and Chippewa, Wisconsin. The premiums here total $156,013, with 147 active flood policies.
In Eau Claire, Wisconsin, there are 104 active flood policies. The premium here totals $105,515, allowing the average flood rate to be $1,015.
Check out Columbia and Columbus, Wisconsin, where the average flood rate is $939. The active flood policies total 131 with $123,032 in premiums.
There are 162 active flood policies in Dane, Wisconsin. The average flood rate is $656, with $106,297 in total premiums.
When we look at Madison, Wisconsin, we see an average flood rate of $540. The active policies in Madison total 221 with $119,334 in total premiums.
$828 is the average flood rate for Dodge and Door, Wisconsin. The premiums for these areas total up to $139,869, with 169 flood policies in effect.
One hundred fifty-four flood policies are active in Sturgeon Bay and Dunn, Wisconsin. The average flood rate for these areas is $791,w hich includes $121,793 in total flood premiums.
Next, we’ll look at Fond du Lac, Wisconsin, where the average flood rate is $857. The total number of active flood policies in Fond du Lac is 480. The premiums here total $325,893.
In Kewaskum, Grant, and Fort Atkinson, Wisconsin, there are135 active flood policies with $130,603 in premiums. The average flood rate for these areas is $967.
Jefferson, Wisconsin, has an average flood rate of $1,143 with 155 active policies. The premiums in Jefferson total up to $177,104.
$196,252 is the total premiumspremium for Juneau, Kenosha, and Pleasant Prairie, Wisconsin. The average flood rate for all these areas is $755, including 260 flood policies.
Looking at La Crosse, Wisconsin, we find an average flood rate of $1,036. There are 590 flood policies in La Crosse, with $611,231 in total premiums.
The average flood rate for Marathon and Rothschild, Wisconsin, is about the same, coming in at $1,032. This includes $161,047 in flood premiums and 156 active flood policies.
The average flood rate drops to $814 in Wausau and Marinette, Wisconsin. The premiums in these areas total $113,178, with 139 active flood policies.
Two hundred thirty-five flood policies are in effect in Fox Point and Glendale, Wisconsin. The premiums total up to $336,358, allowing the average flood rate to be $1,431.
Hello Milwaukee, Wisconsin! Thanks for stopping by! Your average flood rate is $687. The total number of flood policies here is 364, with $250,116 in premiums.
Let’s check out a group of areas: Wauwatosa, Whitefish Bay, and Kendall, Wisconsin, where the average flood rate is $794. The total number of flood policies in effect is 247, including $196,150 in total flood premiums.
Monroe, Wisconsin, has 132 active flood policies and $93,020 in total premiums. The average flood rate for Monroe is $705.
$841 is the average flood rate for Oconto, Wisconsin. The premiums in Oconto total $128,742, which includes 153 flood policies in effect.
One hundred seven flood policies are active in New London, Wisconsin. The average flood rate in New London is $1,253, including $134,076 in total premiums.
Outagamie, Wisconsin, we find 106 flood policies in effect and $107,206 in total premiums. The average flood rate in Outagamie is $1,011.
When we look at Mequon, Wisconsin, we find an average flood rate of $1,209. The total number of policies in effect here is 153, with $157,490 in total flood premiums.
There are 139 total policies in effect in Ozaukee and Saukville, Wisconsin. The premiums in these areas add up to $207,813, which allows the average flood rate to be $1,495.
Racine, Wisconsin, has an average flood rate of $1,147, with 216 flood policies. The premiums in Racine total to$247,818.
Let’s check out Beloit, Reedsburg, Sauk, Sawyer, St. Croix, Arcadia, Brookfield, and Menomonee Falls, Wisconsin. These areas have a total of 565 active flood policies. The average flood rate for all these areas is $777,w hich includes $438,792 in total premiums.
Looking at another group of cities: Janesville, Rock, Plymouth, Sheboygan, Richfield, Washington, Muskego, and New Berlin, Wisconsin, we see the average flood rate is a little higher at $1,112. The flood premiums here total $759,259,w hich includes 683 active flood policies.
In Waukesha, Wisconsin, we find 103 flood policies with $77,992 in flood premiums. The average flood rate for Waukesha is $757.
$885 is the average flood rate for Waupaca and Waushara, Wisconsin. The premiums here total up to $119,493, including 135 total flood policies in effect.
One hundred forty-eight total flood policies are active in Oshkosh, Wisconsin. The average flood rate in Oshkosh is $1,117, which includes $165,326 in flood premiums.
Finally, we check out Winnebago, Wisconsin, where the average flood rate is $944. ThereTheir areaarearea areiisareas s $301,152 in premiums, which includesincludeincludes include includes 319 active flood policies.
Thanks for checking out all the flood information on Wisconsin!!
Cost of Flood Insurance in Wisconsin
For decades, the NFIP has over-charged 50 percent of its policyholders and under-charged the other 50 percent while it has racked up $42 billion in taxpayer-funded losses, equating to more than half of every claim paid by the NFIP since 1978.
About 30 percent of NFIP claims payments go to the same 3 percent of insured “repetitive loss” structures yearly. When you do the math, this means that the other 97 percent of their flood-exposed constituents could have paid in less and still netted larger claims payouts if they had better access to private flood insurance. AAAA recent white paper by Milliman found that 90 percent of homes in Sandy-struck New York and New Jersey would see reduced flood insurance rates through private insurers.
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Meet The Flood Nerd™
Your Wisconsin Flood Expert, Friend, and Guardian
In 2015, Robert Murphy, inspired to help homeowners and businessowners alike, entered the insurance brokerage market with one goal in mind: To help uncertain homeowners find affordable, high quality flood insurance that doesn’t compromise on coverage.
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