Natural hazards · Fence

Fence, WI natural hazards

Most of the natural-hazard damage FEMA expects in Fence comes from cold waves, and overall the risk is 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 Fence?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fence to be higher than in 24% of U.S. communities, mostly from cold waves.

Cold waves89%Inland flooding9%Everything else2%

By hazard

What Fence faces

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

Cold waves

89% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 8 times a year in the area

Inland flooding

9% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once every 4 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Fence flood?

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

of all homes
are insured

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

Insurance rates: Florence County.

Disasters that hit Fence

2 federal disasters brought FEMA money here

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

Brought FEMA money into FenceDeclared for Florence County only

2016

Severe Storms and Flooding

$2K to the Town of Fence for repairs

1999

Wi-Flood-07/20/99

$5K to the Town of Fence for repairs

Florence County has had 4 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Fence

Fence and the towns around it

Very lowLowModerateHighVery high

Goodmanmostly cold wavesLow

Fencemostly cold wavesLow

Homesteadmostly cold wavesLow

Long Lakemostly cold wavesLow

Fernmostly cold wavesLow

Rossmostly cold wavesVery low

Popple Rivermostly cold wavesVery low

Armstrong Creekmostly cold wavesVery low

Florencemostly 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. Fence covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Fence’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Fence. 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 Fence total about $7.2M 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.