Natural hazards · Pine Lake

Pine Lake, WI natural hazards

Most of the natural-hazard damage FEMA expects in Pine Lake comes from cold waves, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Pine Lake?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pine Lake to be higher than in 50% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves47%Inland flooding43%Everything else10%

By hazard

What Pine Lake faces

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

Cold waves

47% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 9 times a year in the area

Inland flooding

43% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 3 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Pine Lake flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Oneida County.

Disasters that hit Pine Lake

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Pine Lake itself: aid to households, or repair grants to the Town of Pine Lake.

Brought FEMA money into Pine LakeDeclared for Oneida County only

2000

Severe Storms, Tornadoes, and Flooding

$8K to the Town of Pine Lake for repairs

Oneida County has had 7 natural disasters declared since 1953, most often floods and severe storms.

Around Pine Lake

Pine Lake and the towns around it

Very lowLowModerateHighVery high

Sugar Campmostly inland floodingModerate

Pine Lakemostly cold wavesModerate

Pelicanmostly inland floodingModerate

Newboldmostly inland floodingModerate

Stellamostly cold wavesLow

Rhinelandermostly 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. Pine Lake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Pine Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Pine Lake. 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 Pine Lake total about $1.3M 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.