Sheboygan, Wisconsin: natural disaster risk
How exposed Sheboygan is to floods, storms and other hazards, from FEMA and NOAA records for Sheboygan County.
Sheboygan is a city of 49,645 people in Sheboygan County, Wisconsin. FEMA's National Risk Index rates Sheboygan County relatively low for natural hazards overall, lower than most of the US. The costliest hazards there are inland flooding, cold wave and tornado, with about $36.2 million in expected losses a year across the county. The weather service has logged 283 storm reports in the county since 1957, including 10 tornadoes and 29 floods. About 0.3% of homes in the county carry federal flood insurance.
Risk figures are for Sheboygan County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Sheboygan
Full Sheboygan 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.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
- 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.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $18M | |
| Cold wave | $7M | |
| Tornado | $6M | |
| Hail | $2M | |
| Heat wave | $1M | |
| Strong wind | $664K | |
| Lightning | $474K | |
| Winter weather | $147K | |
| Earthquake | $104K | |
| Ice storm | $28K | |
| Wildfire | $15K | |
| Hurricane | $9K |
Homes in Sheboygan
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 Sheboygan County
Common questions about Sheboygan
Is Sheboygan safe from natural disasters?
Sheboygan is in Sheboygan County, which FEMA's National Risk Index rates relatively low overall, lower than most of the US. The biggest hazards are inland flooding, cold wave, tornado. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Sheboygan?
By expected yearly losses in Sheboygan County, the top hazards are inland flooding (Low), cold wave (Moderate), tornado (Moderate). Sheboygan County has been part of 9 federal disaster or emergency declarations for natural events.
Does Sheboygan get tornadoes?
Yes. NOAA records list 10 tornadoes in Sheboygan County since 1950; the strongest was an F3 tornado on April 21, 1974. FEMA rates tornado risk in the county moderate.
Do I need flood insurance in Sheboygan?
Standard home insurance does not cover floods. In Sheboygan County, about 0.3% of homes have federal flood insurance, and FEMA rates inland flooding risk low. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.