Natural hazards · Union

Union, WI natural hazards

Most of the natural-hazard damage FEMA expects in Union 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 Union?

High

vs. U.S. communities

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

Inland flooding66%Cold waves19%Everything else15%

By hazard

What Union faces

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

Inland flooding

66% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 4 years in the area

Cold waves

19% of expected damage

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

Recorded about 10 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 Union flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Union 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.

What’s been done with FEMA grants

2flood-prone properties bought out and cleared

Disasters that hit Union

2 federal disasters brought FEMA money here

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

Brought FEMA money into UnionDeclared for Burnett County only

2001

Flooding, Severe Storms and Tornadoes

$11K to the Town of Union for repairs

2000

Severe Storms, Tornadoes, and Flooding

$28K to the Town of Union for repairs

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

Around Union

Union and the towns around it

Very lowLowModerateHighVery high

Unionmostly inland floodingHigh

Crosbymostly inland floodingLow

Ogemamostly inland floodingLow

Oaklandmostly inland floodingLow

Swissmostly inland floodingLow

West Marshlandmostly cold wavesVery low

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