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. Flood insurance has paid 2 claims here since 1978.

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

Expected damage

How exposed is Loyal?

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?

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

2paid claims since 1978

$5Kpaid to owners

1homes flooded more than once

19782026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Loyal

Federal disasters declared here

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

Brought FEMA money into LoyalDeclared for Clark County only

Clark County has had 13 natural disasters declared since 1953, most often floods and severe storms.

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 City 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.