Natural hazards · Clover

Clover, WI natural hazards

Most of the natural-hazard damage FEMA expects in Clover comes from cold waves, and overall the risk is very low for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Clover?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clover to be higher than in 9% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves47%Inland flooding38%Strong wind7%Everything else9%

By hazard

What Clover faces

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

Cold waves

47% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 9 times a year in the area

Inland flooding

38% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once every 2 years in the area

Strong wind

7% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

Not a risk here

HurricanesEarthquakesAvalanchesTsunamisVolcanic 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 Clover flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bayfield County.

Disasters that hit Clover

5 federal disasters brought FEMA money here

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

Brought FEMA money into CloverDeclared for Bayfield County only

2018

Severe Storms, Straight-Line Winds, and Flooding

$11K to the Town of Clover for repairs

2016

Severe Storms and Flooding

$15K to the Town of Clover for repairs

2012

Severe Storms and Flooding

$82K to the Town of Clover for repairs

2001

Flooding, Severe Storms and Tornadoes

$49K to the Town of Clover for repairs

1999

Wi-Flood-07/20/99

$124K to the Town of Clover for repairs

Bayfield County has had 10 natural disasters declared since 1953, most often floods and severe storms.

Around Clover

Clover and the towns around it

Very lowLowModerateHighVery high

Clovermostly cold wavesVery low

Bellmostly cold wavesVery low

Port Wingmostly cold wavesVery low

Washburnmostly cold wavesVery 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. Clover 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 Clover’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Clover. 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.