Natural hazards · Lake Nebagamon

Lake Nebagamon, WI natural hazards

Most of the natural-hazard damage FEMA expects in Lake Nebagamon comes from cold waves, 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 Lake Nebagamon?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Nebagamon to be higher than in 9% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves56%Inland flooding34%Everything else11%

By hazard

What Lake Nebagamon faces

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

Cold waves

56% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 11 times a year in the area

Inland flooding

34% of expected damage

Below average · higher than 32% of U.S. places

Recorded about once every 2 years in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

HurricanesEarthquakesAvalanchesTsunamisVolcanic 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 Lake Nebagamon flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Douglas County.

Disasters that hit Lake Nebagamon

1 federal disaster brought FEMA money here

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

Brought FEMA money into Lake NebagamonDeclared for Douglas County only

2018

Severe Storms, Straight-Line Winds, and Flooding

$9K to the Village of Lake Nebagamon for repairs

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

Around Lake Nebagamon

Lake Nebagamon and the towns around it

Very lowLowModerateHighVery high

Highlandmostly cold wavesLow

Brulemostly cold wavesVery low

Maplemostly cold wavesVery low

Bennettmostly cold wavesVery low

Lake Nebagamonmostly cold wavesVery low

Hawthornemostly 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. Lake Nebagamon 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 Lake Nebagamon’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Lake Nebagamon. 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.