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Natural hazards · Hoard

Hoard, WI natural hazards

Most of the natural-hazard damage FEMA expects in Hoard comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1980. 3 federal disasters brought FEMA money into town.

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

How exposed is Hoard?

31
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hoard to be higher than in 31% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding44%Cold waves34%Tornadoes9%Everything else12%
By hazard

What Hoard faces

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

Inland flooding

44% of expected damage
Above average · higher than 53% of U.S. places
Recorded about once a year in the area

Cold waves

34% of expected damage
Below average · higher than 31% of U.S. places
Recorded about 9 times a year in the area

Tornadoes

9% of expected damage
Above average · higher than 71% of U.S. places
Recorded about once every 23 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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 Hoard flood?

Every paid claim on a federal flood insurance policy in Hoard, from FEMA’s records.

2paid claims since 1980
$3Kpaid to owners
0homes flooded more than once
19802026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Hoard isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Clark County.
Disasters that hit Hoard

3 federal disasters brought FEMA money here

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

Brought FEMA money into HoardDeclared for Clark County only
2016

Severe Storms, Flooding, and Mudslides

$6K to the Town of Hoard for repairs
2010

Severe Storms and Flooding

$5K to the Town of Hoard for repairs
2002

Severe Storms and Flooding

$9K to the Town of Hoard for repairs
Clark County has had 13 natural disasters declared since 1953, most often floods and severe storms.
Around Hoard

Hoard and the towns around it

Owen: Low, mostly inland floodingCurtiss: Low, mostly inland floodingHolway: Low, mostly inland floodingMayville: Very low, mostly inland floodingHixon: Low, mostly inland floodingLongwood: Low, mostly inland floodingGreen Grove: Low, mostly inland floodingMaplehurst: Low, mostly inland floodingLittle Black: Low, mostly inland floodingHammel: Low, mostly inland floodingDorchester: Very low, mostly inland floodingAbbotsford: Very low, mostly inland floodingColby: Low, mostly inland floodingHolton: Low, mostly inland floodingWithee: Low, mostly inland floodingWithee: Low, mostly inland floodingHoard: Low, mostly inland flooding HoardOwenCurtissHolwayMayvilleHixon
Very lowLowModerateHighVery high
Hoardmostly inland floodingLow
Owenmostly inland floodingLow
Curtissmostly inland floodingLow
Hixonmostly inland floodingLow
Holwaymostly inland floodingLow
Mayvillemostly 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. Hoard covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Hoard’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Hoard. 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 Hoard total about $2.2M 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.

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You’re in Hoard, WIClark CountyView boundary

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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