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Natural hazards · Loyal

Loyal, WI natural hazards

Most of the natural-hazard damage FEMA expects in Loyal comes from inland flooding, and overall the risk is low for a U.S. community. 4 federal disasters brought FEMA money into town.

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

How exposed is Loyal?

26
Low
vs. U.S. communities

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

Inland flooding43%Cold waves32%Tornadoes11%Everything else14%
By hazard

What Loyal faces

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

Inland flooding

43% of expected damage
Below average · higher than 45% of U.S. places
Recorded about once a year in the area

Cold waves

32% of expected damage
Below average · higher than 31% of U.S. places
Recorded about 9 times a year in the area

Tornadoes

11% of expected damage
Above average · higher than 74% of U.S. places
Recorded about once every 16 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 Loyal flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Loyal 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 Loyal

4 federal disasters brought FEMA money here

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

Brought FEMA money into LoyalDeclared for Clark County only
2018

Severe Storms, Straight-Line Winds, and Flooding

$47K to the Town of Loyal for repairs
2016

Severe Storms, Flooding, and Mudslides

$10K to the Town of Loyal for repairs
2010

Severe Storms and Flooding

$18K to the Town of Loyal for repairs
2002

Severe Storms and Flooding

$4K to the Town of Loyal for repairs
Clark County has had 13 natural disasters declared since 1953, most often floods and severe storms.
Around Loyal

Loyal and the towns around it

Eaton: Low, mostly inland floodingYork: Low, mostly inland floodingBeaver: Low, mostly inland floodingSherman: Low, mostly inland floodingGreenwood: Low, mostly inland floodingHendren: Moderate, mostly inland floodingWeston: Moderate, mostly inland floodingWarner: Low, mostly inland floodingFremont: Low, mostly inland floodingGrant: Low, mostly inland floodingGreen Grove: Low, mostly inland floodingUnity: Low, mostly inland floodingSpencer: Low, mostly inland floodingSpencer: Low, mostly inland floodingLoyal: Low, mostly inland flooding LoyalEatonYorkBeaverSherman
Very lowLowModerateHighVery high
Eatonmostly inland floodingLow
Yorkmostly inland floodingLow
Loyalmostly inland floodingLow
Beavermostly inland floodingLow
Shermanmostly inland floodingLow
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. Loyal 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 Loyal’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Loyal. 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.

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You’re in Loyal, 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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