Natural hazards · North Bay

North Bay, WI natural hazards

Most of the natural-hazard damage FEMA expects in North Bay comes from cold waves, and overall the risk is very low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is North Bay?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Bay to be higher than in 2% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves36%Inland flooding28%Tornadoes21%Everything else15%

By hazard

What North Bay 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 5 times a year in the area

Inland flooding

28% of expected damage

Well below average · higher than 6% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

21% of expected damage

Above average · higher than 64% of U.S. places

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 North Bay flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Racine County.

Disasters that hit North Bay

3 federal disasters brought FEMA money here

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

Brought FEMA money into North BayDeclared for Racine County only

2011

Severe Winter Storm and Snowstorm

$2K to the Village of North Bay for repairs

2008

Severe Storms, Tornadoes, and Flooding

$24K to the Village of North Bay for repairs

2008

Record Snow and Near Record Snow

$2K to the Village of North Bay for repairs

Racine County has had 15 natural disasters declared since 1953, most often severe storms and floods.

Around North Bay

North Bay and the towns around it

Very lowLowModerateHighVery high

Racinemostly inland floodingVery low

North Baymostly 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. North Bay covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to North Bay’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of North Bay. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across North Bay total about $727K a year, counting buildings, people and crops.

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.