Risk Index · Milwaukee County · 2026-06-13
Milwaukee, WI real-estate risk
- Risk score
- 98.4/100
- Relatively High
- Expected annual loss
- $342M
- all hazards, county-wide
- Buildings-only loss
- $115M
- what owners and insurers carry
- Population
- 939K
- Milwaukee County
Milwaukee, WI (Milwaukee County) carries a FEMA National Risk Index score of 98.4/100, rated "Relatively High" and driven mainly by tornado and heat wave, with roughly $342M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Tornado99
- Heat wave99
- Riverine flood97
- Strong wind94.8
- Hail86.2
- Earthquake80.8
- Coastal flood35.6
- Wildfire29.5
- Hurricane18.8
- Drought16.7
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Milwaukee risk questions
Is Milwaukee, WI a high-risk area for real estate?
Milwaukee scores 98.4/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $342M per year.
What is the biggest natural hazard in Milwaukee?
The highest-rated hazard is tornado (99/100), followed by heat wave (99/100).
How does hazard risk affect property insurance in Milwaukee?
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.