Natural hazards · Crystal Lake

Crystal Lake, WI natural hazards

Most of the natural-hazard damage FEMA expects in Crystal Lake comes from cold waves, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Crystal Lake?

Very low

vs. U.S. communities

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

Cold waves45%Inland flooding25%Tornadoes12%Hail5%Heat waves5%Everything else7%

By hazard

What Crystal Lake faces

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

Cold waves

45% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about 9 times a year in the area

Inland flooding

25% of expected damage

Well below average · higher than 11% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

12% of expected damage

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

Recorded about once every 38 years in the area

Hail

5% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 3 times a year in the area

Heat waves

5% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 2 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

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 Crystal Lake flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Barron County.

Disasters that hit Crystal Lake

Federal disasters declared here

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

Brought FEMA money into Crystal LakeDeclared for Barron County only

Barron County has had 8 natural disasters declared since 1953, most often floods and tornadoes.

Around Crystal Lake

Crystal Lake and the towns around it

Very lowLowModerateHighVery high

Johnstownmostly inland floodingVery low

Almenamostly cold wavesVery low

Cumberlandmostly cold wavesVery low

Crystal Lakemostly cold wavesVery low

Cumberlandmostly cold wavesVery low

Maple Plainmostly 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. Crystal Lake 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 Crystal Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Crystal Lake. 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.