Natural hazards · Cumberland

Cumberland, WI natural hazards

Most of the natural-hazard damage FEMA expects in Cumberland comes from cold waves, and overall the risk is very low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cumberland?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cumberland to be higher than in 16% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves41%Inland flooding28%Tornadoes12%Hail7%Strong wind6%Everything else7%

By hazard

What Cumberland faces

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

Cold waves

41% of expected damage

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

Recorded about 9 times a year in the area

Inland flooding

28% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

12% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 25 years in the area

Hail

7% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 3 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 2 times a year in the area

Lower here

Ice 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 Cumberland flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Cumberland 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 Cumberland

2 federal disasters brought FEMA money here

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

Brought FEMA money into CumberlandDeclared for Barron County only

2001

Flooding, Severe Storms and Tornadoes

$12K to the Town of Cumberland for repairs

2000

Severe Storms, Tornadoes, and Flooding

$9K to the Town of Cumberland for repairs

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

Around Cumberland

Cumberland and the towns around it

Very lowLowModerateHighVery high

Cumberlandmostly cold wavesVery low

Stanfoldmostly cold wavesVery low

Clintonmostly cold wavesVery low

Lakelandmostly cold wavesVery low

Cumberlandmostly cold wavesVery low

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