Natural hazards · Lincoln

Lincoln, WI natural hazards

Most of the natural-hazard damage FEMA expects in Lincoln comes from cold waves, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Lincoln?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lincoln to be higher than in 37% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves36%Inland flooding32%Tornadoes12%Hail9%Strong wind5%Everything else6%

By hazard

What Lincoln faces

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

Cold waves

36% of expected damage

Below average · higher than 33% of U.S. places

Recorded about 7 times a year in the area

Inland flooding

32% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

12% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 17 years in the area

Hail

9% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 3 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Lincoln flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Adams County.

Disasters that hit Lincoln

Federal disasters declared here

None of the disasters declared for Adams County shows FEMA aid or repair money reaching Lincoln itself in FEMA’s records.

Brought FEMA money into LincolnDeclared for Adams County only

Adams County has had 10 natural disasters declared since 1953, most often severe storms and floods.

Around Lincoln

Lincoln and the towns around it

Very lowLowModerateHighVery high

New Chestermostly inland floodingHigh

Richfieldmostly inland floodingHigh

Springfieldmostly cold wavesModerate

Lincolnmostly cold wavesLow

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