Disasters

​​​​​​​​​​​​Learn about how flooding, wildfires, tornadoes, extreme temperatures, and man-made disasters can impact insurance policies.

Last Updated: March 23, 2021

Wisconsin faces many threats: flooding, wildfires, tornadoes, extreme temperatures, and man-made disasters. In recent years, Wisconsin has experienced more intense and frequent heavy rains causing flooding, washed out roads and bridges, failed dams, injury, and illness. 

Learn more about the impacts of a changing climate and Wisconsin’s response: 



The best thing you can do, is be prepared.​

Learn about the disasters that could strike the area where you live and how you can find emergency information​. ReadyWisconsin ​is a valuable resource. 
An up to date home inventory of your belongings will help with a claim if you experience damage or loss due to a disaster.​
Most homeowners policies do not cover flooding or seepage through the foundation. A special flood insurance policy is required for this kind of coverage, which is available from the National Flood Insurance Program .
Read your homeowners policy to understand what IS covered and what is NOT. Clarify any questions or concerns with your insurance agent or company. The Consumer's Guide to Homeowners Insurance can help consumers understand policy options and coverage.
If you rent and your apartment is damaged by a fire or tornado, your personal property is likely not covered by a landlord's insurance policy. A renters insurance policy provides coverage for your personal belongings. A Brief Guide to Renters Insurance provides more information.​​



We are here to help​​​​

Whether it is auto, health, home, or life insurance, our Consumer Affairs team is here to help you if you have a question or concern about your insurance policy or claim. 

Phone: ​(800) 236-8517 or (608) 266-3585​​
Email: ocicomplaints@wisconsin.gov​​
File an Insurance Complaint