Natural hazards · Trade Lake

Trade Lake, WI natural hazards

Most of the natural-hazard damage FEMA expects in Trade Lake comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Trade Lake?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Trade Lake to be higher than in 34% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding45%Cold waves28%Tornadoes9%Strong wind5%Hail5%Everything else8%

By hazard

What Trade Lake faces

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

Inland flooding

45% of expected damage

Above average · higher than 51% of U.S. places

Recorded about once every 4 years in the area

Cold waves

28% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 10 times a year in the area

Tornadoes

9% of expected damage

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

Recorded about once every 19 years in the area

Strong wind

5% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 3 times a year in the area

Hail

5% of expected damage

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

Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Trade Lake flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Trade 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: Burnett County.

Disasters that hit Trade Lake

3 federal disasters brought FEMA money here

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

Brought FEMA money into Trade LakeDeclared for Burnett County only

2016

Severe Storms and Flooding

$39K to the Town of Trade Lake for repairs

2001

Flooding, Severe Storms and Tornadoes

$2K to the Town of Trade Lake for repairs

2000

Severe Storms, Tornadoes, and Flooding

$1K to the Town of Trade Lake for repairs

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

Around Trade Lake

Trade Lake and the towns around it

Very lowLowModerateHighVery high

Trade Lakemostly inland floodingLow

Andersonmostly inland floodingLow

Wood Rivermostly inland floodingLow

Laketownmostly inland floodingLow

West Swedenmostly inland floodingLow

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