Storm risk in Winnebago County, Wisconsin

FEMA's overall hazard score for Winnebago County, WI is 86.83 (Relatively Moderate), 415th of 3,144 counties. Hail scores 93.83 (Relatively Moderate), strong wind 94.40 (Relatively High) and tornado 91.25 (Relatively High). Expected hail loss is $56 per $1 million of buildings a year; NOAA logged 24 hail reports in Winnebago County, WI from 2014 to June 2026.

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

Winnebago 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: $56 per $1 million, 874th of 3,126 rated counties$56Hail874th of 3,126 countiesStrong wind: $16 per $1 million, 1,769th of 3,121 rated counties$16Strong wind1,769th of 3,121 countiesTornado: $212 per $1 million, 1,487th of 3,144 rated counties$212Tornado1,487th of 3,144 counties
  • Winnebago County, WI, coloured by its FEMA rating
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  • 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 Winnebago County, WI

HazardRatingScore (0 to 100)Rank in U.S.Rank in WI
OverallRelatively Moderate 86.83415 of 3,1446 of 72
HailRelatively Moderate 93.83195 of 3,1269 of 72
Strong windRelatively High 94.40177 of 3,1262 of 72
TornadoRelatively High 91.25276 of 3,1268 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$2,495,778$56 $70$22 874 of 3,12640 of 72
Strong wind$726,862$16 $15$20 1,769 of 3,12130 of 72
Tornado$9,373,010$212 $194$199 1,487 of 3,14428 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 Winnebago County, WI

  • FEMA expects hail in Winnebago County, WI to cost $56 per $1 million of buildings a year: 2.52 times the U.S. median and 0.81 times the WI county median, ranked 874th of 3,126 counties nationally and 40th of 72 in Wisconsin.
  • FEMA expects strong wind in Winnebago County, WI to cost $16 per $1 million of buildings a year: 0.81 times the U.S. median and 1.09 times the WI county median, ranked 1,769th of 3,121 counties nationally and 30th of 72 in Wisconsin.
  • FEMA expects tornado in Winnebago County, WI to cost $212 per $1 million of buildings a year: 1.06 times the U.S. median and 1.09 times the WI county median, ranked 1,487th of 3,144 counties nationally and 28th of 72 in Wisconsin.
  • Applying FEMA's estimate to a $208,600 home, the average yearly loss in Winnebago County, WI is about $12 for hail and $3.42 for wind before any deductible; at the U.S. median county rates it would be $4.66 and $4.25.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Winnebago County, WI meets about 15.0 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1975, the median home in Winnebago County, WI is 51 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 81.7% of its 76,770 homes are at least 26 years old.
  • March to June holds 11 of the 24 hail reports in Winnebago County, WI (46 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 Winnebago County, WI’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.

$12hail, a year; $4.66 at the U.S. median county rate
$3.42strong wind, a year; $4.25 at the U.S. median county rate
$303hail and wind together over 20 years, at today’s rate

Formula: home value × Winnebago County, WI yearly loss ÷ building value. Hail: $2,495,778 ÷ $44,308,101,627 = 0.0000563. Wind: $726,862 ÷ $44,308,101,627 = 0.0000164. 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.

Winnebago County, WI in plain numbers

  • Winnebago County, WI scores 86.83 in FEMA's overall hazard index (Relatively Moderate): 415th of 3,144 rated counties and 6th of 72 in Wisconsin.
  • Hail scores 93.83 (Relatively Moderate). FEMA expects $2,495,778 of hail damage to buildings in Winnebago County, WI a year, which is $56 per $1 million of buildings, 2.52 times the U.S. median.
  • Strong wind scores 94.40 (Relatively High) with $726,862 of expected yearly building loss in Winnebago County, WI: $16 per $1 million of buildings, 0.81 times the U.S. median.
  • Tornado scores 91.25 (Relatively High) and FEMA's expected yearly tornado loss is $9,373,010, counting everything exposed, or $212 per $1 million of buildings in Winnebago County, WI.
  • FEMA's own event record for Winnebago County, WI averages 2.78 hail events and 2.96 strong-wind events a year.
  • NOAA logged 24 hail reports in Winnebago County, WI between 2014 and June 2026, on 10 days with stones of 1 inch or more; the largest was 1.5 inches.
  • In Winnebago County, WI, FEMA counts buildings worth 44.31 billion dollars and 171,623 residents.
  • Social vulnerability is Relatively Low in Winnebago County, WI.
  • Community resilience there is Very High, for 171,623 residents.
  • 1 city in Winnebago County, WI is covered on this site: Oshkosh. 11 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 Oshkosh is $6,580 to $14,570.
  • Winnebago County, WI ranks 57 of the 194 counties with a page here for hail loss per $1 million of buildings, 73 for wind and 100 for tornado.
  • In Winnebago County, WI, August is the busiest month with 7 of the 24 reports (29 percent), against 0 reports in February.
  • Winnebago County, WI's worst year was 2014, with 2 hail days at 1 inch or more and 5 reports. At the 2014 to 2025 pace that is 0.75 such days a year, one about every 16.0 months.
  • The median home in Winnebago County, WI was built in 1975; 57.7% of its 76,770 housing units date from before 1980, 81.7% from before 2000 and 6.6% from 2010 on.
  • Census puts the median home value in Winnebago County, WI at $208,600, and 65.8% of homes are lived in by their owners.
  • 3,470 single-family building permits were issued in Winnebago County, WI from 2014 to 2025, about 45.2 per 1,000 homes, peaking in 2021.
  • NOAA lists 6 tornado tracks in Winnebago County, WI since 2014; the strongest was an EF0 on June 20, 2020 near (Osh)Wittman Fld Osh, 3.37 miles long.
  • The fastest gust in NOAA's records for Winnebago County, WI is 81 mph on July 28, 2021 at Omro.
  • The nearest county with a page here is Outagamie County, 26 miles from the centre of Winnebago County, WI; its hail score is 93.00.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 18 roofing contractor establishments in Winnebago County, WI in 2023, one for every 4,265 homes.

The hail record of Winnebago County, WI, year by year

NOAA logged 24 reports in Winnebago County, WI; hail of 1 inch or more fell on 10 days. That is 0.8 such days a year; the median county in NOAA’s file has 1.8.

Winnebago County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more0123452014: 5 reports, 2 days at 1 inch or more, largest 1.5 inch142015: 3 reports, 2 days at 1 inch or more, largest 1 inch152016: 1 reports, 0 days at 1 inch or more, largest 0.75 inch162017: 1 reports, 0 days at 1 inch or more, largest 0.75 inch172018: 2 reports, 1 days at 1 inch or more, largest 1 inch182019: 0 reports, 0 days at 1 inch or more, largest 0 inch192020: 4 reports, 1 days at 1 inch or more, largest 1 inch202021: 2 reports, 1 days at 1 inch or more, largest 1 inch212022: 0 reports, 0 days at 1 inch or more, largest 0 inch222023: 2 reports, 1 days at 1 inch or more, largest 1 inch232024: 1 reports, 1 days at 1 inch or more, largest 1 inch242025: 1 reports, 0 days at 1 inch or more, largest 0.88 inch252026: 2 reports, 1 days at 1 inch or more, largest 1 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Winnebago County: NOAA hail reports by calendar month, 2014 to June 2026January: 0 reports0JanFebruary: 0 reports0FebMarch: 0 reports0MarApril: 5 reports5AprMay: 0 reports0MayJune: 6 reports6JunJuly: 2 reports2JulAugust: 7 reports7AugSeptember: 2 reports2SepOctober: 2 reports2OctNovember: 0 reports0NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: August, 7 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
20145201.5 in–
20153201 in–
20161000.75 in–
20171000.75 in–
20182101 in–
20204101 in–
20212101 in–
20232101 in–
20241101 in–
20251000.88 in–
2026 (to June)2101 in–

Biggest hail days in Winnebago County, WI

DateLargest stoneReports that dayDamage reportedNear
August 1, 20141.5 in2none recordedWinchester
April 12, 20141 in2none recordedPickett
August 14, 20151 in2none recordedLarsen
October 9, 20181 in2none recordedLake Poygan
June 2, 20201 in2none recordedOshkosh

Where large hail was reported

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

Reported hail locations, Winnebago County, WI

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 hail1.5 in hail Oshkosh
  • 141 to 1.74 in
  • 01.75 to 2.74 in, golf ball to tennis ball
  • 02.75 in and up, baseball

Largest plotted stone: 1.5 in. Bigger dots are bigger stones.

14 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 Winnebago County, WI

Fastest gusts in Winnebago County, WI

DateGustNear
July 28, 202181 mphOmro
July 28, 202181 mphOmro
July 28, 202181 mphEureka
July 28, 202181 mphOmro

Strongest tornado tracks in Winnebago County, WI

DateScaleLengthInjured / killedNear
June 20, 2020EF03.37 mi0 / 0(Osh)Wittman Fld Osh
June 20, 2020EF01.07 mi0 / 0Butte Des Morts
June 20, 2020EF00.24 mi0 / 0Butte Des Morts
June 14, 2017EF01.05 mi0 / 0Appleton

6 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 Winnebago County, WI’s 2014 to 2025 pace of 0.75 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Winnebago 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: 19.3% of homes19.3%<1940681940s: 5.0% of homes5%1940s611950s: 9.4% of homes9.4%1950s531960s: 9.8% of homes9.8%1960s461970s: 14.3% of homes14.3%1970s381980s: 9.8% of homes9.8%1980s311990s: 14.2% of homes14.2%1990s232000s: 11.8% of homes11.8%2000s162010s: 5.8% of homes5.8%2010s82020+: 0.8% of homes0.8%2020+2

Bars: share of 76,770 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 built1975
Built before 198057.7%
Built before 200081.7%
Built since 20106.6%
Owner-occupied65.8%
Median home value$208,600
Single-family permits, 2014 to 20253,470
Permits per 1,000 homes45.2

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 Winnebago County, WI

Roofing firms in Winnebago County, WI

Roofing contractor establishments, 202318
Change since 2016+4 (+29%)
Homes per roofing firm4,265
Median across counties5,189
Employees, 202370

Source for Winnebago County, WI: 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 Winnebago County, WI's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Outagamie County, WI26 Relatively Low $530.95$150.9468
Brown County, WI42 Relatively Moderate $420.75$0.960.0649
Racine County, WI98 Relatively Moderate $310.55$6.650.4146
Rock County, WI99 Relatively Moderate $871.55$211.2574
Kenosha County, WI107 Relatively Moderate $330.59$110.7026
La Crosse County, WI126 Relatively Low $1242.20$6.290.3877

More Wisconsin counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Winnebago County, WI

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. 11 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Oshkosh 54901 (100%), 54902 (100%), 54904 (100%) Roofers

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Questions

How high is storm risk in Winnebago County, WI?

FEMA's National Risk Index gives Winnebago County, WI an overall score of 86.83 (Relatively Moderate), 415th of 3,144. Hail scores 93.83 (Relatively Moderate), strong wind 94.40 (Relatively High) and tornado 91.25 (Relatively High).

In Winnebago County, WI, 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 24 for Winnebago County, WI between 2014 and June 2026, on 10 days with hail of 1 inch or more; the largest stone was 1.5 inches.

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

Applying FEMA's county rates to its median home value of $208,600: FEMA's estimate is about $12 a year for hail and $3.42 for wind, before any deductible, against $4.66 and $4.25 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 Winnebago County, WI compare with the rest of Wisconsin?

Per $1 million of buildings Winnebago County, WI loses $56 to hail a year, against $70 in the median county of the state. Among 72 rated counties it is 9th for hail, 2nd for strong wind and 8th for tornado.

How old are the roofs in Winnebago County, WI?

The median home was built in 1975, 51 years ago, and 81.7% of the 76,770 housing units in Winnebago County, WI 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 Winnebago County, WI: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Winnebago County, WI; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Winnebago County, WI; Census County Business Patterns, roofing firms in Winnebago County, WI. Planning-level information about Winnebago County, WI, 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).