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 very low for a U.S. community. Flood insurance has paid 8 claims here since 1990. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Algoma?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Algoma to be higher than in 7% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding46%Cold waves27%Tornadoes13%Hail5%Everything else9%

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

46% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once a year in the area

Cold waves

27% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

13% of expected damage

Above average · higher than 62% of U.S. places

Hail

5% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingHurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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.

8paid claims since 1990

$30Kpaid to owners

3homes flooded more than once

19902026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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: Kewaunee County.

Disasters that hit Algoma

1 federal disaster brought FEMA money here

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

Brought FEMA money into AlgomaDeclared for Kewaunee County only

2000

Snow

$5K to the City of Algoma for repairs

Kewaunee County has had 6 natural disasters declared since 1953, most often floods and hurricanes.

Around Algoma

Algoma and the towns around it

Very lowLowModerateHighVery high

Algomamostly inland floodingVery low

Ahnapeemostly inland floodingVery low

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 1 census tract, combined by population.

Money that reached townFlood claims are matched to Algoma’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City 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 $995K 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.