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Natural hazards · Jacobs

Jacobs, WI natural hazards

Most of the natural-hazard damage FEMA expects in Jacobs comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2013. 4 federal disasters brought FEMA money into town.

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

How exposed is Jacobs?

38
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Jacobs to be higher than in 38% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding47%Cold waves43%Everything else10%
By hazard

What Jacobs faces

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

Inland flooding

47% of expected damage
Above average · higher than 67% of U.S. places
Recorded about once a year in the area

Cold waves

43% of expected damage
Above average · higher than 66% of U.S. places
Recorded about 9 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 Jacobs flood?

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

1paid claims since 2013
$20Kpaid to owners
0homes flooded more than once
20132026
of all homes
are insured
No community discount. Jacobs isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Ashland County.
Disasters that hit Jacobs

4 federal disasters brought FEMA money here

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

Brought FEMA money into JacobsDeclared for Ashland County only
2016

Severe Storms and Flooding

$14K to the Town of Jacobs for repairs
2012

Severe Storms and Flooding

$29K to the Town of Jacobs for repairs
2001

Flooding, Severe Storms and Tornadoes

$21K to the Town of Jacobs for repairs
2000

Severe Storms, Tornadoes, and Flooding

$27K to the Town of Jacobs for repairs
Ashland County has had 12 natural disasters declared since 1953, most often floods and severe storms.
Around Jacobs

Jacobs and the towns around it

Peeksville: Low, mostly inland floodingShanagolden: Low, mostly inland floodingGordon: Low, mostly inland floodingKnight: Very low, mostly cold wavesAnderson: Very low, mostly cold wavesAgenda: Low, mostly inland floodingChippewa: Low, mostly inland floodingSpider Lake: Moderate, mostly cold wavesMorse: Low, mostly inland floodingMarengo: Very low, mostly cold wavesNamakagon: Low, mostly inland floodingPence: Very low, mostly cold wavesMercer: Low, mostly inland floodingCarey: Very low, mostly cold wavesSaxon: Very low, mostly cold wavesKimball: Very low, mostly cold wavesGurney: Very low, mostly cold wavesJacobs: Low, mostly inland flooding JacobsPeeksvilleShanagoldenGordonKnightAnderson
Very lowLowModerateHighVery high
Jacobsmostly inland floodingLow
Peeksvillemostly inland floodingLow
Shanagoldenmostly inland floodingLow
Gordonmostly inland floodingLow
Knightmostly cold wavesVery low
Andersonmostly 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. Jacobs covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Jacobs’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Jacobs. 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 Jacobs total about $1.5M 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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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