Natural hazards · Black Wolf

Black Wolf, WI natural hazards

Most of the natural-hazard damage FEMA expects in Black Wolf comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2004. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Black Wolf?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Black Wolf to be higher than in 23% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding52%Cold waves18%Tornadoes15%Hail6%Strong wind5%Everything else4%

By hazard

What Black Wolf faces

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

Inland flooding

52% of expected damage

Below average · higher than 40% 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

15% of expected damage

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

Recorded about once every 23 years in the area

Hail

6% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 3 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Black Wolf flood?

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

2paid claims since 2004

$12Kpaid to owners

0homes flooded more than once

20042026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Black Wolf 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 Black Wolf

2 federal disasters brought FEMA money here

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

Brought FEMA money into Black WolfDeclared for Winnebago County only

2004

Severe Storms and Flooding

$6K to the Town of Black Wolf for repairs

2001

Flooding, Severe Storms and Tornadoes

$9K to the Town of Black Wolf for repairs

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

Around Black Wolf

Black Wolf and the towns around it

Very lowLowModerateHighVery high

Friendshipmostly inland floodingLow

Oshkoshmostly inland floodingLow

Black Wolfmostly inland floodingLow

Nekimimostly inland floodingLow

Oshkoshmostly inland floodingVery low

Brothertownmostly inland floodingVery low

Calumetmostly 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. Black Wolf covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Black Wolf’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Black Wolf. 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 Black Wolf total about $2.4M 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.