Natural hazards · Cleveland

Cleveland, WI natural hazards

Most of the natural-hazard damage FEMA expects in Cleveland comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 1980. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cleveland?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cleveland to be higher than in 12% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding46%Cold waves18%Hail14%Tornadoes13%Everything else10%

By hazard

What Cleveland 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 20% of U.S. places

Recorded about once a year in the area

Cold waves

18% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about 5 times a year in the area

Hail

14% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

13% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 29 years 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 Cleveland flood?

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

3paid claims since 1980

$2Kpaid to owners

0homes flooded more than once

19802026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Manitowoc County.

Disasters that hit Cleveland

2 federal disasters brought FEMA money here

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

Brought FEMA money into ClevelandDeclared for Manitowoc County only

2008

Severe Storms, Tornadoes, and Flooding

5 households applied for aid $5K aid approved

2000

Snow

$1K to the Village of Cleveland for repairs

Manitowoc County has had 7 natural disasters declared since 1953, most often floods and severe storms.

Around Cleveland

Cleveland and the towns around it

Very lowLowModerateHighVery high

Clevelandmostly inland floodingVery low

Centervillemostly 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. Cleveland 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 Cleveland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Cleveland. 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.