Natural hazards · Thornapple

Thornapple, WI natural hazards

Most of the natural-hazard damage FEMA expects in Thornapple comes from inland flooding, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Thornapple?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Thornapple to be higher than in 64% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves38%Tornadoes5%Everything else7%

By hazard

What Thornapple faces

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

Inland flooding

49% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 4 years in the area

Cold waves

38% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 9 times a year in the area

Tornadoes

5% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 18 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 Thornapple flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Rusk County.

Disasters that hit Thornapple

2 federal disasters brought FEMA money here

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

Brought FEMA money into ThornappleDeclared for Rusk County only

2001

Flooding, Severe Storms and Tornadoes

$3K to the Town of Thornapple for repairs

2000

Severe Storms, Tornadoes, and Flooding

$3K to the Town of Thornapple for repairs

Rusk County has had 10 natural disasters declared since 1953, most often floods and severe storms.

Around Thornapple

Thornapple and the towns around it

Very lowLowModerateHighVery high

Stubbsmostly inland floodingHigh

Brucemostly inland floodingHigh

Washingtonmostly inland floodingHigh

Thornapplemostly inland floodingHigh

Grantmostly inland floodingHigh

Hubbardmostly inland floodingModerate

Flambeaumostly inland floodingModerate

Atlantamostly inland floodingModerate

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