Natural hazards · Turtle

Turtle, WI natural hazards

Most of the natural-hazard damage FEMA expects in Turtle comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 8 claims here since 1982. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Turtle?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Turtle to be higher than in 55% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding56%Tornadoes16%Cold waves15%Hail6%Everything else8%

By hazard

What Turtle faces

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

Inland flooding

56% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 72 years in the area

Cold waves

15% of expected damage

Below average · higher than 30% of U.S. places

Recorded about 5 times a year in the area

Hail

6% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Turtle flood?

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

8paid claims since 1982

$74Kpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Rock County.

Disasters that hit Turtle

3 federal disasters brought FEMA money here

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

Brought FEMA money into TurtleDeclared for Rock County only

2026

Severe Storms, Tornadoes, and Flooding

$4K to the Town of Turtle for repairs

2008

Record Snow and Near Record Snow

$3K to the Town of Turtle for repairs

2000

Snow

$2K to the Town of Turtle for repairs

Rock County has had 14 natural disasters declared since 1953, most often severe storms and floods.

Around Turtle

Turtle and the towns around it

Very lowLowModerateHighVery high

La Prairiemostly inland floodingHigh

Turtlemostly inland floodingModerate

Beloitmostly inland floodingModerate

Clintonmostly 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. Turtle covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Turtle’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Turtle. 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 Turtle total about $5.1M 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.