Storm risk in Racine County, Wisconsin

FEMA's overall hazard score for Racine County is 85.43 (Relatively Moderate), 459th of 3,144 counties. Hail scores 89.03 (Relatively Moderate), strong wind 86.07 (Relatively High) and tornado 93.07 (Relatively High). Expected hail loss is $31 per $1 million of buildings a year; NOAA logged 46 hail reports in Racine County from 2014 to June 2026.

FEMA National Risk Index, version December 2025, retrieved October 8, 2026. NOAA hail reports 2014 to June 2026.

Racine County: expected yearly loss per $1 million of buildings for hail, strong wind and tornado, on a log scale, against all U.S. counties and the counties of WI$0.1$1$10$100$1,000Hail: $31 per $1 million, 1,309th of 3,126 rated counties$31Hail1,309th of 3,126 countiesStrong wind: $6.65 per $1 million, 2,474th of 3,121 rated counties$6.65Strong wind2,474th of 3,121 countiesTornado: $222 per $1 million, 1,430th of 3,144 rated counties$222Tornado1,430th of 3,144 counties
  • Racine County, coloured by its FEMA rating
  • all U.S. counties
  • each county in the state
  • U.S. median
  • state median

Expected yearly loss per $1 million of buildings, log scale. Dot colour is FEMA’s rating band. The tornado lane counts everything exposed, not only buildings.

How FEMA rates Racine County

HazardRatingScore (0 to 100)Rank in U.S.Rank in WI
OverallRelatively Moderate 85.43459 of 3,1448 of 72
HailRelatively Moderate 89.03346 of 3,12624 of 72
Strong windRelatively High 86.07439 of 3,1269 of 72
TornadoRelatively High 93.07219 of 3,1266 of 72

Expected yearly loss, in dollars

HazardThis county, total a yearPer $1M of buildingsState median countyU.S. median countyRank per $1M, U.S.Rank per $1M, state
Hail$1,479,874$31 $70$22 1,309 of 3,12661 of 72
Strong wind$316,821$6.65 $15$20 2,474 of 3,12163 of 72
Tornado$10,577,097$222 $194$199 1,430 of 3,14424 of 72

Rank 1 is the highest. Overall, hail and wind losses count buildings; the tornado row counts everything FEMA exposes, so it overstates building damage. Expected annual loss is an average over many years for the whole county, not a forecast for one roof.

What stands out in Racine County

  • FEMA expects hail in Racine County to cost $31 per $1 million of buildings a year: 1.39 times the U.S. median and 0.45 times the WI county median, ranked 1,309th of 3,126 counties nationally and 61st of 72 in Wisconsin.
  • FEMA expects strong wind in Racine County to cost $6.65 per $1 million of buildings a year: 0.33 times the U.S. median and 0.44 times the WI county median, ranked 2,474th of 3,121 counties nationally and 63rd of 72 in Wisconsin.
  • FEMA expects tornado in Racine County to cost $222 per $1 million of buildings a year: 1.12 times the U.S. median and 1.14 times the WI county median, ranked 1,430th of 3,144 counties nationally and 24th of 72 in Wisconsin.
  • Applying FEMA's estimate to a $239,400 home, the average yearly loss in Racine County is about $7.44 for hail and $1.59 for wind before any deductible; at the U.S. median county rates it would be $5.35 and $4.88.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Racine County meets about 18.3 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1968, the median home in Racine County is 58 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 87.1% of its 84,558 homes are at least 26 years old.
  • March to June holds 37 of the 46 hail reports in Racine County (80 percent); the quietest month is January, with 0 reports.

What hail and wind cost a home here in an average year

Enter a home value. The calculator applies Racine County’s own loss rate: the county’s expected yearly loss divided by the value of its buildings. It starts at the Census median home value for the county.

$7.44hail, a year; $5.35 at the U.S. median county rate
$1.59strong wind, a year; $4.88 at the U.S. median county rate
$181hail and wind together over 20 years, at today’s rate

Formula: home value × Racine County yearly loss ÷ building value. Hail: $1,479,874 ÷ $47,606,898,893 = 0.0000311. Wind: $316,821 ÷ $47,606,898,893 = 0.0000067. This is FEMA’s estimate of average damage to buildings and does not account for your deductible. Tornado is left out because FEMA’s tornado loss counts people and other exposure, not only buildings.

Read this as a yardstick. The rate is an average over every building in the county, from sheds to office towers, and over many years. Real losses come in rare, large storms; a roof with no damage in 19 years can need full replacement in the 20th. The figure is not a quote and not a prediction for one address.

Racine County in plain numbers

  • Racine County scores 85.43 in FEMA's overall hazard index (Relatively Moderate): 459th of 3,144 rated counties and 8th of 72 in Wisconsin.
  • Hail scores 89.03 (Relatively Moderate). FEMA expects $1,479,874 of hail damage to buildings in Racine County a year, which is $31 per $1 million of buildings, 1.39 times the U.S. median.
  • Strong wind scores 86.07 (Relatively High) with $316,821 of expected yearly building loss in Racine County: $6.65 per $1 million of buildings, 0.33 times the U.S. median.
  • Tornado scores 93.07 (Relatively High) and FEMA's expected yearly tornado loss is $10,577,097, counting everything exposed, or $222 per $1 million of buildings in Racine County.
  • FEMA's own event record for Racine County averages 3.40 hail events and 3.94 strong-wind events a year.
  • NOAA logged 46 hail reports in Racine County between 2014 and June 2026, on 13 days with stones of 1 inch or more; the largest was 2.75 inches.
  • In Racine County, FEMA counts buildings worth 47.61 billion dollars and 197,542 residents.
  • Social vulnerability is Relatively Low in Racine County.
  • Community resilience there is Very High, for 197,542 residents.
  • 1 city in Racine County is covered on this site: Racine. 12 Census ZIP areas have more than half of their land in the county.
  • Our guide range for a 2,000 sq ft asphalt roof in Racine is $6,580 to $14,570.
  • Racine County ranks 91 of the 194 counties with a page here for hail loss per $1 million of buildings, 136 for wind and 95 for tornado.
  • In Racine County, May is the busiest month with 21 of the 46 reports (46 percent), against 0 reports in November.
  • Racine County's worst year was 2023, with 3 hail days at 1 inch or more and 6 reports. At the 2014 to 2025 pace that is 0.92 such days a year, one about every 13.1 months.
  • The median home in Racine County was built in 1968; 67.0% of its 84,558 housing units date from before 1980, 87.1% from before 2000 and 3.8% from 2010 on.
  • Census puts the median home value in Racine County at $239,400, and 71.1% of homes are lived in by their owners.
  • 2,287 single-family building permits were issued in Racine County from 2014 to 2025, about 27.0 per 1,000 homes, peaking in 2018.
  • NOAA lists 7 tornado tracks in Racine County since 2014; the strongest was an EF1 on April 14, 2026 near Rochester Fox Rvr Ar, 5.17 miles long.
  • The fastest gust in NOAA's records for Racine County is 81 mph on April 20, 2017 at Kneeland.
  • The nearest county with a page here is Kenosha County, 10 miles from the centre of Racine County; its hail score is 88.07.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 8 roofing contractor establishments in Racine County in 2023, one for every 10,570 homes.

The hail record of Racine County, year by year

NOAA logged 46 reports in Racine County; hail of 1 inch or more fell on 13 days. That is 0.9 such days a year; the median county in NOAA’s file has 1.8.

Racine County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more02468102014: 10 reports, 1 days at 1 inch or more, largest 2.5 inch142015: 7 reports, 1 days at 1 inch or more, largest 2.75 inch152016: 3 reports, 1 days at 1 inch or more, largest 1 inch162017: 4 reports, 3 days at 1 inch or more, largest 1 inch172018: 0 reports, 0 days at 1 inch or more, largest 0 inch182019: 1 reports, 1 days at 1 inch or more, largest 1 inch192020: 0 reports, 0 days at 1 inch or more, largest 0 inch202021: 0 reports, 0 days at 1 inch or more, largest 0 inch212022: 0 reports, 0 days at 1 inch or more, largest 0 inch222023: 6 reports, 3 days at 1 inch or more, largest 2.5 inch232024: 4 reports, 0 days at 1 inch or more, largest 0.75 inch242025: 7 reports, 1 days at 1 inch or more, largest 2.75 inch252026: 4 reports, 2 days at 1 inch or more, largest 1 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Racine County: NOAA hail reports by calendar month, 2014 to June 2026January: 0 reports0JanFebruary: 0 reports0FebMarch: 5 reports5MarApril: 9 reports9AprMay: 21 reports21MayJune: 2 reports2JunJuly: 3 reports3JulAugust: 6 reports6AugSeptember: 0 reports0SepOctober: 0 reports0OctNovember: 0 reports0NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: May, 21 reports.

The same numbers as a table (years with at least one report)
YearReportsDays, 1 inch or moreDays, 1.75 inch or moreLargest stoneDamage reported
201410112.5 in–
20157112.75 in–
20163101 in–
20174301 in–
20191101 in–
20236312.5 in–
20244000.75 in–
20257112.75 in$20,000
2026 (to June)4201 in–

Biggest hail days in Racine County

DateLargest stoneReports that dayDamage reportedNear
May 15, 20252.75 in6$20,000Rochester Fox Rvr Ar
August 2, 20152.75 in5none recordedWind Lake
May 12, 20142.5 in8none recordedDowntown Racine
July 28, 20232.5 in3none recordedWaterford
March 31, 20161 in3none recordedElmwood Park

Where large hail was reported

FEMA scores the county as a whole. NOAA’s reports show where inside Racine County the big stones fell.

Reported hail locations, Racine County

1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1.25 in hail1.25 in hail1.25 in hail1.5 in hail2 in hail2 in hail2.5 in hail2.5 in hail2.5 in hail2.75 in hail2.75 in hail Racine
  • 261 to 1.74 in
  • 51.75 to 2.74 in, golf ball to tennis ball
  • 22.75 in and up, baseball

Largest plotted stone: 2.75 in. Bigger dots are bigger stones.

33 reports of 1 inch or larger have coordinates. Each dot is a reported location, not a storm path.

Sources: NOAA, Census county outline

Wind and tornado records for Racine County

Fastest gusts in Racine County

DateGustNear
April 20, 201781 mphKneeland
April 17, 202681 mphCaddy Vista
November 10, 202075 mphRochester
May 12, 201470 mphBohners Lake

Strongest tornado tracks in Racine County

DateScaleLengthInjured / killedNear
April 17, 2026EF13.89 mi0 / 0Franksville Hunts Ar
April 14, 2026EF15.17 mi0 / 0Rochester Fox Rvr Ar
April 17, 2026EF03.45 mi0 / 0North Cape
April 17, 2026EF01.42 mi0 / 0Caldwell

7 tornado tracks in all since 2014; the strongest 4 are listed.

How old the roofs are

Census counts homes by the decade they were built. Under each bar is the number of hail days of 1 inch or more that an original roof from that decade has met, at Racine County’s 2014 to 2025 pace of 0.92 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Racine County: share of homes by decade built, with the hail days at 1 inch or more that an original roof from each decade has met at the county's 2014 to 2025 ratepre-1940: 19.0% of homes19%<1940831940s: 6.7% of homes6.7%1940s741950s: 14.4% of homes14.4%1950s651960s: 12.8% of homes12.8%1960s561970s: 14.1% of homes14.1%1970s471980s: 8.3% of homes8.3%1980s381990s: 11.8% of homes11.8%1990s282000s: 9.1% of homes9.1%2000s192010s: 3.2% of homes3.2%2010s102020+: 0.6% of homes0.6%2020+3

Bars: share of 84,558 housing units by decade built. Figures under the decade: hail days met by an original roof, at the county’s 2014 to 2025 pace. The pace of earlier years is unknown.

Median year built1968
Built before 198067.0%
Built before 200087.1%
Built since 20103.8%
Owner-occupied71.1%
Median home value$239,400
Single-family permits, 2014 to 20252,287
Permits per 1,000 homes27.0

Asphalt shingles are rated 15 to 20 years (3-tab) and 25 to 30 years (architectural). Source: Census ACS 2019 to 2023 and Building Permits Survey.

Roofers and past disasters in Racine County

Roofing firms in Racine County

Roofing contractor establishments, 20238
Change since 2016-4 (-33%)
Homes per roofing firm10,570
Median across counties5,189
Employees, 202372

Source for Racine County: Census County Business Patterns, NAICS 238160.

Nearby counties

The closest counties that have a risk page, by distance between county centres. Loss is per $1 million of buildings; the columns marked "times here" divide the neighbour's loss by Racine County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Kenosha County, WI10 Relatively Moderate $331.07$111.7326
Rock County, WI53 Relatively Moderate $872.81$213.0974
Winnebago County, WI98 Relatively Moderate $561.81$162.4724
Outagamie County, WI119 Relatively Low $531.71$152.3268
Brown County, WI120 Relatively Moderate $421.35$0.960.1449
La Crosse County, WI177 Relatively Low $1243.99$6.290.9577

More Wisconsin counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Racine County

1 city in this county is on PickARoofer. ZIP Code Tabulation Areas are Census shapes that approximate ZIP codes; where we have a city’s ZIPs, the share is the part of each area’s land that lies in this county. 12 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Racine 53402 (100%), 53403 (91%), 53406 (100%) Roofers

Storm hit your roof in Racine County? A free inspection tells you if there is damage. One local roofer answers, not five.

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Questions

How high is storm risk in Racine County?

FEMA's National Risk Index gives Racine County an overall score of 85.43 (Relatively Moderate), 459th of 3,144. Hail scores 89.03 (Relatively Moderate), strong wind 86.07 (Relatively High) and tornado 93.07 (Relatively High).

In Racine County, how many hail reports has NOAA logged?

A report is one entry for one storm in one county, so counts follow where people live as well as where hail fell. NOAA has 46 for Racine County between 2014 and June 2026, on 13 days with hail of 1 inch or more; the largest stone was 2.75 inches.

What do hail and wind cost a home in Racine County each year, on average?

Applying FEMA's county rates to its median home value of $239,400: FEMA's estimate is about $7.44 a year for hail and $1.59 for wind, before any deductible, against $5.35 and $4.88 at the U.S. median county rates. This is an average over many years and all buildings, not a prediction for one roof; one bad storm costs far more than the average year.

How does Racine County compare with the rest of Wisconsin?

Per $1 million of buildings Racine County loses $31 to hail a year, against $70 in the median county of the state. Among 72 rated counties it is 24th for hail, 9th for strong wind and 6th for tornado.

How old are the roofs in Racine County?

The median home was built in 1968, 58 years ago, and 87.1% of the 84,558 housing units in Racine County date from before 2000. Asphalt shingles are rated 15 to 20 years (3-tab) or 25 to 30 years (architectural), so an original roof of either kind is past its rated life. The Census does not record when a roof was replaced.

What does expected annual loss mean?

It is FEMA's estimate of the average yearly loss from a hazard, in dollars, summed over the county. It is built for comparing counties at planning level, not for pricing one house.

Does a high rating mean my roof will be damaged?

No. The index compares counties and cannot say what will happen on your street. After a storm, a roof inspection is the only way to know.

Sources for Racine County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Racine County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Racine County; Census County Business Patterns, roofing firms in Racine County. Planning-level information about Racine County, not an inspection and not insurance advice.

This product uses the Federal Emergency Management Agency's National Risk Index dataset but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).