Natural hazards · Gull Lake

Gull Lake, WI natural hazards

Most of the natural-hazard damage FEMA expects in Gull Lake comes from inland flooding, 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 Gull Lake?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gull Lake to be higher than in 26% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding45%Cold waves40%Everything else15%

By hazard

What Gull Lake faces

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

Inland flooding

45% of expected damage

Above average · higher than 51% of U.S. places

Recorded about once every 7 years in the area

Cold waves

40% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 10 times a year 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 Gull Lake flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Gull 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: Washburn County.

Disasters that hit Gull Lake

2 federal disasters brought FEMA money here

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

Brought FEMA money into Gull LakeDeclared for Washburn County only

2016

Severe Storms and Flooding

$32K to the Town of Gull Lake for repairs

2001

Flooding, Severe Storms and Tornadoes

$6K to the Town of Gull Lake for repairs

Washburn County has had 8 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Gull Lake

Gull Lake and the towns around it

Very lowLowModerateHighVery high

Brooklynmostly inland floodingLow

Gull Lakemostly inland floodingLow

Stinnettmostly inland floodingLow

Springbrookmostly cold wavesLow

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