Natural hazards · Gibraltar

Gibraltar, WI natural hazards

Most of the natural-hazard damage FEMA expects in Gibraltar 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 Gibraltar?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gibraltar to be higher than in 2% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding58%Cold waves28%Tornadoes7%Everything else8%

By hazard

What Gibraltar faces

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

Inland flooding

58% of expected damage

Well below average · higher than 10% of U.S. places

Recorded about once every 5 years in the area

Cold waves

28% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

7% of expected damage

Below average · higher than 49% of U.S. places

Recorded about once every 44 years in the area

Lower here

Coastal floodingHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

HurricanesDroughtAvalanchesTsunamisVolcanic 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 Gibraltar flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Door County.

Disasters that hit Gibraltar

1 federal disaster brought FEMA money here

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

Brought FEMA money into GibraltarDeclared for Door County only

2000

Snow

$2K to the Town of Gibraltar for repairs

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

Around Gibraltar

Gibraltar and the towns around it

Very lowLowModerateHighVery high

Baileys Harbormostly inland floodingVery low

Egg Harbormostly inland floodingVery low

Gibraltarmostly inland floodingVery low

Ephraimmostly 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. Gibraltar covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Gibraltar’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Gibraltar. 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 Gibraltar total about $1.8M 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.