Natural hazards · Oconto

Oconto, WI natural hazards

Most of the natural-hazard damage FEMA expects in Oconto comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 31 claims here since 1979.

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

Expected damage

How exposed is Oconto?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oconto to be higher than in 73% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding71%Cold waves18%Everything else11%

By hazard

What Oconto faces

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

Inland flooding

71% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once a year in the area

Cold waves

18% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about 6 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

HurricanesDroughtAvalanchesTsunamisVolcanic 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 Oconto flood?

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

31paid claims since 1979

$162Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Oconto County.

Disasters that hit Oconto

Federal disasters declared here

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

Brought FEMA money into OcontoDeclared for Oconto County only

Oconto County has had 4 natural disasters declared since 1953, most often floods and hurricanes.

Around Oconto

Oconto and the towns around it

Very lowLowModerateHighVery high

Ocontomostly inland floodingHigh

Little Rivermostly inland floodingHigh

Ocontomostly inland floodingHigh

Stilesmostly inland floodingLow

Pensaukeemostly 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. Oconto covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Oconto’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Oconto. 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 Oconto total about $3.2M 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.