Green Bay, WI Flood Zone Map
Last updated: August 2026
Green Bay faces flooding from the Fox River and Green Bay's connection to Lake Michigan. Rising Great Lakes levels and ice jam flooding on the Fox River are primary flood hazards.
Brown County has recorded 383 NFIP flood insurance claims since 1978, totaling $2.3M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 5
NFIP Policies
684
Brown County
Avg. Premium
$902/yr
Brown County
NFIP Flood Insurance Claims: Brown County
Properties in Brown County have filed 383 NFIP flood insurance claims totaling $2.3M in payouts since 1978. The average claim payout is $6K.
Highest-Claim Years
1990
104 claims - $374K
2019
74 claims - $1.0M
1986
37 claims - $96K
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data.
Flood Insurance Coverage: Brown County
Only roughly 1 in 155 households in Brown County carries NFIP flood insurance (0.6% of estimated households). With 23 recorded flood events and $1.7M in damage, most flood losses in this county are likely uninsured.
Penetration Rate
0.6%
roughly 1 in 155 households
Historical Claims Ratio
1 in 2
383 claims over 45+ years across 684 current policies
Avg. Claim Payout
$5,890
Per claim, county-wide since 1978
Historically, Brown County has averaged 1 claim for every 2 active policies (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of August 2026, claims since 1978 (August 2026), population from FEMA NRI. All figures are county-wide and include Green Bay.
Not sure whether you're required to carry it? See do I need flood insurance?, or compare NFIP vs. private flood insurance.
Repetitive Loss Properties: Brown County
Brown County has 14 properties with multiple flood insurance losses, including 2 severe repetitive loss properties. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced August 2026.
Multiple Loss
14
2+ claims within 10 years
Severe Repetitive Loss
2
4+ claims or 2 exceeding value
Mitigated
0
Received FEMA mitigation
By Flood Zone
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced August 2026.
Flood Insurance Discount: Green Bay
Green Bay participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 6
SFHA Premium Discount
20% off
CRS classes range from 1 (best) to 10 (no discount). Green Bay's Class 6 rating means NFIP policyholders in the SFHA can receive up to a 20% discount on their flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.
Federal Flood Disaster History: Brown County
Brown County has been included in 3 federal flood-related disaster declarations.
These declarations affected communities across Brown County, including Green Bay.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.
Recorded Flood Events: Brown County
NOAA has recorded 23 flood events in Brown County since 1996, causing $1.7M in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.
FEMA Flood Risk Profile: Brown County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively ModerateEst. annual loss: $57.4M
Coastal Flood Risk
Relatively LowEst. annual loss: $69K
Hurricane Risk
Very LowEst. annual loss: $12K
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
What Your Flood Zone Means in Green Bay
Green Bay faces multiple inland flood threats, including riverine flooding from nearby waterways and flash flooding from intense rainfall overwhelming urban drainage systems. Properties near river corridors face the highest risk, but stormwater backup can affect neighborhoods well outside the mapped floodplain. The most common FEMA flood zone designations in Green Bay are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $57.4M.
With both riverine and urban stormwater flood risk, insurance costs in Green Bay depend heavily on a property's elevation relative to nearby waterways and the local drainage infrastructure. FEMA's Risk Rating 2.0 prices in multiple inland flood sources rather than relying on the flood zone line alone. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Flood zone boundaries in Green Bay can shift when FEMA updates its Flood Insurance Studies or when upstream development changes how water moves through the watershed. New stormwater infrastructure or dam modifications can also trigger map revisions. Use our free lookup tool to check the current flood zone for any Green Bay address.
Green Bay, WI Flood Zone FAQ
What flood zones are in Green Bay, WI?
The most common FEMA flood zones in Green Bay are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Green Bay?
If your Green Bay property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since about a quarter of all NFIP flood claims come from properties outside high-risk zones.
How do I check my flood zone in Green Bay?
Enter your Green Bay address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Green Bay offer flood insurance discounts?
Yes. Green Bay participates in FEMA's Community Rating System (CRS) with a Class 6 rating, qualifying residents in the Special Flood Hazard Area for up to a 20% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Has Green Bay experienced major flooding events?
Brown County, where Green Bay is located, has been part of 3 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Severe Storms, Tornadoes, and Flooding in 2026. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Green Bay?
Brown County has recorded 383 NFIP flood insurance claims totaling $2.3M in payouts since 1978. The year with the most claims was 1990, with 104 claims and $374K in payouts. These figures cover all NFIP claims in the county, including Green Bay.
How many flood insurance policies are there in Green Bay?
Brown County had 684 NFIP flood insurance policies written or renewed over the trailing 13 months, with an average annual premium of $902. The most policies are in Zone AE (401 policies). These are county-level counts of policies written or renewed in the trailing 13 months, not a point-in-time count of policies in force - a policy renewed inside that window is counted twice.
How many Green Bay properties have flooded repeatedly?
Brown County has 14 properties with multiple flood losses on record, including 2 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Green Bay property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Green Bay?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Green Bay's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other Wisconsin Cities
Understanding Flood Zones
See the Flood Map for Any Green Bay, WI Address
Enter a Green Bay, WI address to view its FEMA flood map, zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on August 2026 and may not reflect the most recent changes. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.