Natural hazards · Otter Creek

Otter Creek, WI natural hazards

Most of the natural-hazard damage FEMA expects in Otter Creek comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Otter Creek?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Otter Creek to be higher than in 53% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves20%Tornadoes12%Strong wind7%Hail6%Everything else6%

By hazard

What Otter Creek faces

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

Inland flooding

49% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 2 years in the area

Cold waves

20% of expected damage

Below average · higher than 26% of U.S. places

Recorded about 9 times a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 9 years in the area

Strong wind

7% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 3 times a year in the area

Hail

6% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Otter Creek flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Dunn County.

Disasters that hit Otter Creek

Federal disasters declared here

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

Brought FEMA money into Otter CreekDeclared for Dunn County only

Dunn County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Otter Creek

Otter Creek and the towns around it

Very lowLowModerateHighVery high

Taintermostly inland floodingHigh

Otter Creekmostly inland floodingModerate

Grantmostly inland floodingModerate

Hay Rivermostly inland floodingModerate

Wilsonmostly inland floodingModerate

Wheelermostly inland floodingModerate

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. Otter Creek 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 Otter Creek’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Otter Creek. 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.