Natural hazards · Niagara

Niagara, WI natural hazards

Most of the natural-hazard damage FEMA expects in Niagara comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2015.

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

Expected damage

How exposed is Niagara?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Niagara to be higher than in 39% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves61%Inland flooding32%Everything else7%

By hazard

What Niagara faces

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

Cold waves

61% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 7 times a year in the area

Inland flooding

32% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once 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 Niagara flood?

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

2paid claims since 2015

$13Kpaid to owners

0homes flooded more than once

20152026

of all homes
are insured

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

Insurance rates: Marinette County.

Disasters that hit Niagara

Federal disasters declared here

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

Brought FEMA money into NiagaraDeclared for Marinette County only

Marinette County has had 5 natural disasters declared since 1953, most often floods and hurricanes.

Around Niagara

Niagara and the towns around it

Very lowLowModerateHighVery high

Niagaramostly cold wavesLow

Breitungmostly 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. Niagara 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 Niagara’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Niagara. 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.