Natural hazards · Combined Locks

Combined Locks, WI natural hazards

Most of the natural-hazard damage FEMA expects in Combined Locks comes from inland flooding, and overall the risk is very low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Combined Locks?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Combined Locks to be higher than in 7% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding39%Cold waves32%Tornadoes15%Hail5%Everything else9%

By hazard

What Combined Locks faces

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

Inland flooding

39% of expected damage

Well below average · higher than 15% of U.S. places

Recorded about once every 2 years in the area

Cold waves

32% of expected damage

Below average · higher than 25% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

15% of expected damage

Above average · higher than 62% of U.S. places

Hail

5% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Combined Locks flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Outagamie County.

Disasters that hit Combined Locks

1 federal disaster brought FEMA money here

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

Brought FEMA money into Combined LocksDeclared for Outagamie County only

2019

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

$134K to the Village of Combined Locks for repairs

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

Around Combined Locks

Combined Locks and the towns around it

Very lowLowModerateHighVery high

Buchananmostly inland floodingVery low

Kaukaunamostly inland floodingVery low

Combined Locksmostly inland floodingVery low

Kimberlymostly cold wavesVery low

Little Chutemostly 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. Combined Locks covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Combined Locks’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Combined Locks. 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 Combined Locks total about $1.9M 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.