Natural hazards · Wheaton

Wheaton, WI natural hazards

Most of the natural-hazard damage FEMA expects in Wheaton comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1989. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Wheaton?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wheaton to be higher than in 31% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding48%Cold waves27%Tornadoes10%Strong wind6%Everything else9%

By hazard

What Wheaton faces

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

Inland flooding

48% of expected damage

Above average · higher than 50% of U.S. places

Recorded about once a year in the area

Cold waves

27% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about 9 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 23 years in the area

Strong wind

6% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 3 times a year in the area

Lower here

HailIce 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 Wheaton flood?

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

2paid claims since 1989

$8Kpaid to owners

0homes flooded more than once

19892026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Chippewa County.

Disasters that hit Wheaton

2 federal disasters brought FEMA money here

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

Brought FEMA money into WheatonDeclared for Chippewa County only

2016

Severe Storms, Flooding, and Mudslides

$7K to the Town of Wheaton for repairs

2001

Flooding, Severe Storms and Tornadoes

$5K to the Town of Wheaton for repairs

Chippewa County has had 9 natural disasters declared since 1953, most often floods and severe storms.

Around Wheaton

Wheaton and the towns around it

Very lowLowModerateHighVery high

Unionmostly inland floodingModerate

Lake Halliemostly inland floodingModerate

Elk Moundmostly inland floodingModerate

Eau Clairemostly inland floodingLow

Chippewa Fallsmostly inland floodingLow

Wheatonmostly inland floodingLow

Tildenmostly inland floodingLow

Howardmostly 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. Wheaton covers 1 census tract, combined by population.

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