Natural hazards · Three Lakes

Three Lakes, WI natural hazards

Most of the natural-hazard damage FEMA expects in Three Lakes comes from inland flooding, and overall the risk is moderate 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 Three Lakes?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Three Lakes to be higher than in 58% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding63%Cold waves30%Everything else7%

By hazard

What Three Lakes faces

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

Inland flooding

63% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 3 years in the area

Cold waves

30% of expected damage

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

Recorded about 9 times 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 Three Lakes flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Oneida County.

Disasters that hit Three Lakes

2 federal disasters brought FEMA money here

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

Brought FEMA money into Three LakesDeclared for Oneida County only

2000

Severe Storms, Tornadoes, and Flooding

$9K to the Town of Three Lakes for repairs

1999

Wi-Flood-07/20/99

$6K to the Town of Three Lakes for repairs

Oneida County has had 7 natural disasters declared since 1953, most often floods and severe storms.

Around Three Lakes

Three Lakes and the towns around it

Very lowLowModerateHighVery high

Three Lakesmostly inland floodingModerate

Sugar Campmostly inland floodingModerate

Lincolnmostly inland floodingModerate

Washingtonmostly cold wavesLow

Piehlmostly cold wavesLow

Stellamostly cold wavesLow

Hilesmostly 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. Three Lakes covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Three Lakes’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Three Lakes. 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 Three Lakes total about $1.8M 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.