Beloit, Wisconsin: natural disaster risk
How exposed Beloit is to floods, storms and other hazards, from FEMA and NOAA records for Rock County.
Beloit is a city of 36,534 people in Rock County, Wisconsin. FEMA's National Risk Index rates Rock County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are inland flooding, tornado and cold wave, with about $73.3 million in expected losses a year across the county. The weather service has logged 731 storm reports in the county since 1955, including 38 tornadoes and 83 floods. About 0.4% of homes in the county carry federal flood insurance.
Risk figures are for Rock County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Beloit
Full Rock County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $38M | |
| Tornado | $13M | |
| Cold wave | $13M | |
| Hail | $4M | |
| Strong wind | $2M | |
| Heat wave | $2M | |
| Lightning | $1M | |
| Earthquake | $529K | |
| Drought | $152K | |
| Ice storm | $147K | |
| Winter weather | $114K | |
| Wildfire | $14K |
Homes in Beloit
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Rock County
More cities in Rock County
Common questions about Beloit
Is Beloit safe from natural disasters?
Beloit is in Rock County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are inland flooding, tornado, cold wave. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Beloit?
By expected yearly losses in Rock County, the top hazards are inland flooding (Moderate), tornado (High), cold wave (High). Rock County has been part of 14 federal disaster or emergency declarations for natural events.
Does Beloit get tornadoes?
Yes. NOAA records list 38 tornadoes in Rock County since 1950; the strongest was an EF2 tornado on June 22, 2024 near Afton. FEMA rates tornado risk in the county high.
Do I need flood insurance in Beloit?
Standard home insurance does not cover floods. In Rock County, about 0.4% of homes have federal flood insurance, and FEMA rates inland flooding risk moderate. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.