Natural hazards · Stephenson

Stephenson, WI natural hazards

Most of the natural-hazard damage FEMA expects in Stephenson comes from cold waves, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2026. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Stephenson?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stephenson to be higher than in 47% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves48%Inland flooding43%Everything else9%

By hazard

What Stephenson faces

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

Cold waves

48% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 6 times a year in the area

Inland flooding

43% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once a year 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 Stephenson flood?

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

1paid claims since 2026

$35Kpaid to owners

0homes flooded more than once

20262026

of all homes
are insured

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

Insurance rates: Marinette County.

Disasters that hit Stephenson

1 federal disaster brought FEMA money here

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

Brought FEMA money into StephensonDeclared for Marinette County only

2002

Severe Storms and Flooding

$14K to the Town of Stephenson for repairs

Marinette County has had 5 natural disasters declared since 1953, most often floods and hurricanes.

Around Stephenson

Stephenson and the towns around it

Very lowLowModerateHighVery high

Lakemostly cold wavesModerate

Middle Inletmostly cold wavesModerate

Wausaukeemostly cold wavesModerate

Stephensonmostly cold wavesModerate

Athelstanemostly cold wavesLow

Silver Cliffmostly cold wavesLow

Beavermostly cold wavesLow

Brazeaumostly inland floodingLow

Lakewoodmostly inland floodingLow

Riverviewmostly 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. Stephenson covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Stephenson’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Stephenson. 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 Stephenson total about $6.9M 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.