Natural hazards · Oliver

Oliver, WI natural hazards

Most of the natural-hazard damage FEMA expects in Oliver comes from cold waves, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Oliver?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oliver to be higher than in 21% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves53%Inland flooding37%Everything else10%

By hazard

What Oliver faces

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

Cold waves

53% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 11 times a year in the area

Inland flooding

37% of expected damage

Above average · higher than 50% of U.S. places

Recorded about once every 2 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesEarthquakesAvalanchesTsunamisVolcanic 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 Oliver flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Douglas County.

Disasters that hit Oliver

2 federal disasters brought FEMA money here

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

Brought FEMA money into OliverDeclared for Douglas County only

2012

Severe Storms and Flooding

$3K to the Village of Oliver for repairs

1999

Wi-Flood-07/20/99

$2K to the Village of Oliver for repairs

Douglas County has had 8 natural disasters declared since 1953, most often floods and severe storms.

Around Oliver

Oliver and the towns around it

Very lowLowModerateHighVery high

Duluthmostly inland floodingLow

Olivermostly cold wavesLow

Superiormostly 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. Oliver 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 Oliver’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Oliver. 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.