Natural hazards · Pensaukee

Pensaukee, WI natural hazards

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

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

Expected damage

How exposed is Pensaukee?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pensaukee to be higher than in 31% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding51%Cold waves27%Tornadoes9%Lightning5%Everything else8%

By hazard

What Pensaukee faces

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

Inland flooding

51% of expected damage

Above average · higher than 53% of U.S. places

Recorded about once a year in the area

Cold waves

27% of expected damage

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

Recorded about 6 times a year in the area

Tornadoes

9% of expected damage

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

Recorded about once every 32 years in the area

Lightning

5% of expected damage

Above average · higher than 71% of U.S. places

Lower here

Coastal floodingHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong wind

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 Pensaukee flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Pensaukee 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 Pensaukee

Federal disasters declared here

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

Brought FEMA money into PensaukeeDeclared for Oconto County only

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

Around Pensaukee

Pensaukee and the towns around it

Very lowLowModerateHighVery high

Ocontomostly inland floodingHigh

Pensaukeemostly inland floodingLow

Abramsmostly inland floodingLow

Little Suamicomostly 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. Pensaukee 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 Pensaukee’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Pensaukee. 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.