Natural hazards · Stone Lake

Stone Lake, WI natural hazards

Most of the natural-hazard damage FEMA expects in Stone Lake comes from cold waves, and overall the risk is 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 Stone Lake?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stone Lake to be higher than in 23% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves44%Inland flooding38%Tornadoes6%Everything else12%

By hazard

What Stone Lake faces

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

Cold waves

44% of expected damage

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

Recorded about 10 times a year in the area

Inland flooding

38% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once every 7 years in the area

Tornadoes

6% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once every 17 years in the area

Lower here

HailIce 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 Stone Lake flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Stone 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: Washburn County.

Disasters that hit Stone Lake

1 federal disaster brought FEMA money here

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

Brought FEMA money into Stone LakeDeclared for Washburn County only

2000

Severe Storms, Tornadoes, and Flooding

$7K to the Town of Stone Lake for repairs

Washburn County has had 8 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Stone Lake

Stone Lake and the towns around it

Very lowLowModerateHighVery high

Sand Lakemostly cold wavesModerate

Stone Lakemostly cold wavesLow

Bass Lakemostly cold wavesLow

Birchwoodmostly cold wavesLow

Crystalmostly 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. Stone Lake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Stone Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Stone 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 Stone Lake total about $1.9M 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.