Natural hazards · Cloverland

Cloverland, WI natural hazards

Most of the natural-hazard damage FEMA expects in Cloverland comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Cloverland?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cloverland to be higher than in 42% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding50%Cold waves39%Strong wind5%Everything else6%

By hazard

What Cloverland faces

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

Inland flooding

50% of expected damage

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

Recorded about once every 4 years in the area

Cold waves

39% of expected damage

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

Recorded about 9 times a year in the area

Strong wind

5% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce 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 Cloverland flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Vilas County.

Disasters that hit Cloverland

Federal disasters declared here

None of the disasters declared for Vilas County shows FEMA aid or repair money reaching Cloverland itself in FEMA’s records.

Brought FEMA money into CloverlandDeclared for Vilas County only

Vilas County has had 4 natural disasters declared since 1953, most often floods and hurricanes.

Around Cloverland

Cloverland and the towns around it

Very lowLowModerateHighVery high

Sugar Campmostly inland floodingModerate

Lincolnmostly inland floodingModerate

Cloverlandmostly inland floodingModerate

Plum Lakemostly inland floodingLow

Conovermostly cold wavesLow

St. Germainmostly 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. Cloverland covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Cloverland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Cloverland. 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 Cloverland total about $3.0M 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.