Natural hazards · Fern

Fern, WI natural hazards

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

Low

vs. U.S. communities

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

Cold waves89%Inland flooding9%Everything else2%

By hazard

What Fern 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 Fern flood?

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

of all homes
are insured

No community discount. Fern 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 Fern

1 federal disaster brought FEMA money here

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

Brought FEMA money into FernDeclared for Florence County only

1999

Wi-Flood-07/20/99

$10K to the Town of Fern for repairs

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

Around Fern

Fern and the towns around it

Very lowLowModerateHighVery high

Fernmostly cold wavesLow

Fencemostly cold wavesLow

Commonwealthmostly 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. Fern 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 Fern’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Fern. 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.