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Natural hazards · Unity

Unity, WI natural hazards

Most of the natural-hazard damage FEMA expects in Unity comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1978. 3 federal disasters brought FEMA money into town.

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

How exposed is Unity?

26
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Unity to be higher than in 26% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding43%Cold waves32%Tornadoes11%Everything else14%
By hazard

What Unity faces

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

Inland flooding

43% of expected damage
Below average · higher than 45% of U.S. places
Recorded about once a year in the area

Cold waves

32% of expected damage
Below average · higher than 31% of U.S. places
Recorded about 9 times a year in the area

Tornadoes

11% of expected damage
Above average · higher than 74% of U.S. places
Recorded about once every 16 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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 Unity flood?

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

2paid claims since 1978
$5Kpaid to owners
0homes flooded more than once
19782026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Unity isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Clark County.
Disasters that hit Unity

3 federal disasters brought FEMA money here

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

Brought FEMA money into UnityDeclared for Clark County only
2016

Severe Storms, Flooding, and Mudslides

$9K to the Town of Unity for repairs
2010

Severe Storms and Flooding

$14K to the Town of Unity for repairs
2002

Severe Storms and Flooding

$42K to the Town of Unity for repairs
Clark County has had 13 natural disasters declared since 1953, most often floods and severe storms.
Around Unity

Unity and the towns around it

Colby: Low, mostly inland floodingBrighton: Low, mostly inland floodingUnity: Low, mostly inland floodingSherman: Low, mostly inland floodingBeaver: Low, mostly inland floodingColby: Very low, mostly inland floodingAbbotsford: Very low, mostly inland floodingGreen Grove: Low, mostly inland floodingMayville: Very low, mostly inland floodingHull: Low, mostly inland floodingEau Pleine: Moderate, mostly inland floodingSpencer: Low, mostly inland floodingFremont: Low, mostly inland floodingLoyal: Low, mostly inland floodingSpencer: Low, mostly inland floodingWarner: Low, mostly inland floodingUnity: Low, mostly inland flooding UnityColbyBrightonUnityShermanBeaver
Very lowLowModerateHighVery high
Colbymostly inland floodingLow
Unitymostly inland floodingLow
Shermanmostly inland floodingLow
Beavermostly inland floodingLow
Brightonmostly inland floodingLow
Unitymostly 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. Unity covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Unity’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Unity. 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 Unity total about $2.4M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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