Natural hazards · Bear Bluff

Bear Bluff, WI natural hazards

Most of the natural-hazard damage FEMA expects in Bear Bluff comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bear Bluff?

Moderate

vs. U.S. communities

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

Inland flooding46%Cold waves27%Tornadoes10%Strong wind7%Everything else10%

By hazard

What Bear Bluff 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

Above average · higher than 61% of U.S. places

Recorded about 2 times a year in the area

Cold waves

27% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 8 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 5 years in the area

Strong wind

7% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 3 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Bear Bluff flood?

FEMA's records show no paid flood insurance claims in Bear Bluff.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jackson County.

Disasters that hit Bear Bluff

2 federal disasters brought FEMA money here

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

Brought FEMA money into Bear BluffDeclared for Jackson County only

2010

Severe Storms and Flooding

$10K to the Town of Bear Bluff for repairs

2000

Severe Storms, Tornadoes, and Flooding

$5K to the Town of Bear Bluff for repairs

Jackson County has had 12 natural disasters declared since 1953, most often severe storms and floods.

Around Bear Bluff

Bear Bluff and the towns around it

Very lowLowModerateHighVery high

Kingstonmostly inland floodingHigh

Remingtonmostly inland floodingModerate

Scottmostly inland floodingModerate

Bear Bluffmostly inland floodingModerate

Knappmostly inland floodingModerate

City Pointmostly inland floodingModerate

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. Bear Bluff is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.