Natural hazards · Algoma

Algoma, WI natural hazards

Most of the natural-hazard damage FEMA expects in Algoma comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 6 claims here since 2004. 3 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Algoma?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Algoma to be higher than in 40% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding58%Cold waves18%Tornadoes13%Everything else12%

By hazard

What Algoma faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

58% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 2 years in the area

Cold waves

18% of expected damage

Below average · higher than 26% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

13% of expected damage

Above average · higher than 69% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Algoma flood?

Every paid claim on a federal flood insurance policy in Algoma, from FEMA’s records.

6paid claims since 2004

$20Kpaid to owners

0homes flooded more than once

20042026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Algoma isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Winnebago County.

Disasters that hit Algoma

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Algoma itself: aid to households, or repair grants to the Town of Algoma.

Brought FEMA money into AlgomaDeclared for Winnebago County only

2008

Severe Storms, Tornadoes, and Flooding

$14K to the Town of Algoma for repairs

2004

Severe Storms and Flooding

$4K to the Town of Algoma for repairs

2001

Flooding, Severe Storms and Tornadoes

$66K to the Town of Algoma for repairs

Winnebago County has had 9 natural disasters declared since 1953, most often severe storms and floods.

Around Algoma

Algoma and the towns around it

Very lowLowModerateHighVery high

Omromostly inland floodingHigh

Algomamostly inland floodingModerate

Oshkoshmostly inland floodingLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Algoma covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Algoma’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Algoma. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Algoma total about $5.0M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.