Natural hazards · St. Lawrence

St. Lawrence, WI natural hazards

Most of the natural-hazard damage FEMA expects in St. Lawrence comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2024. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is St. Lawrence?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Lawrence to be higher than in 17% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding42%Cold waves30%Tornadoes13%Hail6%Everything else8%

By hazard

What St. Lawrence faces

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

Inland flooding

42% of expected damage

Below average · higher than 28% of U.S. places

Recorded about once every 3 years in the area

Cold waves

30% of expected damage

Below average · higher than 25% of U.S. places

Recorded about 7 times a year in the area

Tornadoes

13% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 18 years in the area

Hail

6% of expected damage

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

Recorded about 2 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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. Lawrence flood?

Every paid claim on a federal flood insurance policy in St. Lawrence, from FEMA’s records.

1paid claims since 2024

$42Kpaid to owners

0homes flooded more than once

20242026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Waupaca County.

Disasters that hit St. Lawrence

2 federal disasters brought FEMA money here

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

Brought FEMA money into St. LawrenceDeclared for Waupaca County only

2019

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

$33K to the Town of St. Lawrence for repairs

2001

Flooding, Severe Storms and Tornadoes

$4K to the Town of St. Lawrence for repairs

Waupaca County has had 9 natural disasters declared since 1953, most often floods and severe storms.

Around St. Lawrence

St. Lawrence and the towns around it

Very lowLowModerateHighVery high

Scandinaviamostly inland floodingLow

St. Lawrencemostly inland floodingVery low

Little Wolfmostly inland floodingVery low

Helvetiamostly inland floodingVery low

Waupacamostly inland floodingVery 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. Lawrence covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to St. Lawrence’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of St. Lawrence. 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 St. Lawrence total about $2.1M 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.