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Risk: Relatively Low

Florence County, WI Environment & Hazard Risk

Relatively Low natural hazard risk, led by cold wave. 256 storm events since 1996.

Expected yearly loss
$17.56M
Relatively Low nationally
Storm events since 1996
256
Most often winter storm
Flood insurance policies
10
0.2% of homes
Hurricanes nearby
0
1 tropical storm or stronger since 2020

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Low

Score 54.2 of 100

Social vulnerability

Relatively Moderate

Score 41.2 of 100

Community resilience

Relatively Moderate

Score 46.9 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $2.32B · Agriculture value exposed: $1.65M · Risk-adjusted yearly loss: $18.73M

Risk by hazard

  • Cold waveRelatively High$15.72M/yr expected annual loss, about 8.5 events a year
  • HailRelatively Low$212K/yr expected annual loss, about 1.3 events a year
  • LightningVery Low$63.07K/yr expected annual loss, about 27 events a year
  • Winter weatherVery Low$15.36K/yr expected annual loss, about 17 events a year
  • DroughtVery Low$75/yr expected annual loss, about 1.7 events a year
  • TornadoVery Low$76.57K/yr expected annual loss, about once every 16 years
  • LandslideVery Low$23/yr expected annual loss, about once every 7 years
  • Strong windVery Low$61.77K/yr expected annual loss, about 1.4 events a year
  • WildfireVery Low$2,676/yr expected annual loss, about once every 15,760 years
  • Heat waveVery Low$5,080/yr expected annual loss, about once every 3 years
  • Ice stormVery Low$329/yr expected annual loss, about once every 67 years
  • EarthquakeVery Low$544/yr expected annual loss, about once every 5,025 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, hurricane, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
10 of 4,567 (0.2%)
Homes in high-risk flood zones
0
Flood claims since 1978
1
Claims paid since 1978
$4,849

Storm history

Since 1996: 256 events, 2 deaths, $2.06M in damage

  • Winter Storm64
  • Thunderstorm Wind39
  • Drought32
  • Heavy Snow30
  • Hail26
  • Winter Weather8
  • Cold/Wind Chill8 · 2 deaths
  • Strong Wind7
  • Dense Fog7
  • Extreme Cold/Wind Chill7

Events per year

Storm events per year in Florence County
14
13
14
11
5
6
3
5
5
2
7
5
13
3
5
4
8
8
11
8

5 tornadoes on record (EF0 2, EF1 1, F1 2).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Cold/Wind Chill01/03/2018

    Florence

    1 death

    What happened

    A missing 19 year old male, who was driving to Upper Michigan, was found dead in the woods. His abandoned vehicle was discovered on the afternoon of the 7th and authorities had to travel a considerable distance into the woods in order to recover his body that evening. Subzero and single digit temperatures were common in far northeast Wisconsin during the time that the man was missing.

  • Cold/Wind Chill01/24/2009

    Florence

    1 death

    What happened

    Northwest winds between a departing cold front and an approaching high pressure system brought much colder air into the area. Low temperatures ranged from the single digits below zero from the Fox Valley east to Lake Michigan, to the teens below zero in north-central and parts of central Wisconsin. Wind chills across the area were mostly in the 20 below zero to 30 below zero range.||There were two fatalities due to hypothermia during the morning of the 24th. One occurred in De Pere (Brown Co.), where a resident of an assisted living center was discovered around 7:30 a.m. on a sidewalk outside the center where he lived. The Brown County medical examiner said that the man was dressed appropriately for the weather but had other medical problems. It is estimated that he was outside for about 5 hours. The temperature at Green Bay was as cold as 6 degrees below zero before the man's body was discovered.||Another fatality occurred in Florence County after a woman slipped on ice and injured her leg while walking home around 11:20 p.m. on the night of the 23rd. She then attempted to crawl the remaining distance to her home, more than 300 feet, but was overcome by the cold before...

  • Flash Flood07/15/1999

    Florence, Florence County

    $1.58M damage

    What happened

    Rainfall of 5 to 8 inches in just a few hours caused significant flash flooding across Florence county and extreme northern Forest county. An estimated 50 to 75 miles of roads required repairs, including U.S. Highways 2 and 141 and state highways 70 and 101. A total of 49 homes and 2 businesses suffered some water damage. The damage was mainly confined to basements with minimal first floor inundation.

  • Lightning07/18/2013

    Hematite, Florence County

    $162K damage

  • Thunderstorm Wind65 kt wind04/18/2004

    Florence, Florence County

    $120K damage

  • Thunderstorm Wind65 kt wind07/31/1999

    Long Lake, Florence County

    $102K damage

Latest storm reports

Newest first

  • Hail1" hail07/20/2026

    Spread Eagle, Florence County

  • Hail1" hail07/20/2026

    Spread Eagle, Florence County

  • Ice Storm04/04/2026

    Florence

  • Winter Storm04/02/2026

    Florence

  • Blizzard03/15/2026

    Florence

  • Winter Storm03/13/2026

    Florence

  • Drought02/01/2026

    Florence

  • Extreme Cold/Wind Chill01/23/2026

    Florence

Hurricanes and tropical storms

Storms whose track crossed Florence County, with the wind when it passed

Drinking water

2 community water systems serve about 1,280 people. Violations since 2021.

1 system had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 1 system had a violation of any kind still open at last report.

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Climate

1991-2020 normals at Florence, 7.3 mi from the county center

Summer highs peak around 78°F in Jul and winter lows bottom out near 3°F in Jan. About 30.4 inches of rain falls in a typical year, with 65.6 inches of snow.

MonthHighLowRainSnow
Jan22°F3°F1.02 in14.3 in
Feb26°F4°F0.96 in13.9 in
Mar37°F14°F1.45 in9.4 in
Apr50°F27°F2.58 in8.6 in
May64°F40°F3.32 in0.3 in
Jun73°F50°F4.11 in-
Jul78°F55°F3.73 in-
Aug76°F53°F3.06 in-
Sep68°F45°F3.52 in-
Oct54°F34°F3.41 in1.3 in
Nov39°F23°F1.85 in5.6 in
Dec27°F11°F1.41 in12.2 in
Year40°F average30.4 in65.6 in

Pollution sites

0 Superfund sites and 0 toxic release facilities in Florence County

No Superfund sites or toxic release facilities in Florence County in our data.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk5 historic places

Frequently asked questions

How risky is Florence County for natural disasters?
FEMA rates Florence County relatively low for overall natural hazard risk, with expected losses of $17.56M a year. The highest-rated hazards are cold wave (relatively high), hail (relatively low), lightning (very low).
What storms are most common in Florence County?
Since 1996, NOAA recorded 256 storm events affecting Florence County, most often winter storm (64), thunderstorm wind (39), drought (32).
How many tornadoes have hit Florence County?
5 tornadoes have been recorded in Florence County since 1950.
How many homes in Florence County have flood insurance?
10 residential flood insurance policies are in force in Florence County, covering about 0.2% of homes. The program has paid $4,849 on 1 claim here since 1978.
What is the weather like in Florence County?
At Florence, average highs reach 78°F in Jul and lows fall to 3°F in Jan, with 30.4 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.