Natural hazards · St. Germain

St. Germain, WI natural hazards

Most of the natural-hazard damage FEMA expects in St. Germain comes from cold waves, and overall the risk is very low 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 St. Germain?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Germain to be higher than in 11% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves58%Inland flooding27%Strong wind7%Everything else8%

By hazard

What St. Germain faces

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

Cold waves

58% of expected damage

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

Recorded about 9 times a year in the area

Inland flooding

27% of expected damage

Below average · higher than 30% of U.S. places

Recorded about once every 4 years in the area

Strong wind

7% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce 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 St. Germain flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Vilas County.

Disasters that hit St. Germain

1 federal disaster brought FEMA money here

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

Brought FEMA money into St. GermainDeclared for Vilas County only

1999

Wi-Flood-07/20/99

$51K to the Town of St. Germain for repairs

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

Around St. Germain

St. Germain and the towns around it

Very lowLowModerateHighVery high

Newboldmostly inland floodingModerate

Cloverlandmostly inland floodingModerate

Plum Lakemostly inland floodingLow

St. Germainmostly cold wavesVery low

Arbor Vitaemostly cold wavesVery low

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