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Natural hazards · Whitehall

Whitehall, WI natural hazards

Most of the natural-hazard damage FEMA expects in Whitehall comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2015. 2 federal disasters brought FEMA money into town.

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

How exposed is Whitehall?

74
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Whitehall to be higher than in 74% of U.S. communities, mostly from inland flooding.

Inland flooding64%Cold waves14%Tornadoes8%Everything else14%
By hazard

What Whitehall faces

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

Inland flooding

64% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about 3 times a year in the area

Cold waves

14% of expected damage
Below average · higher than 34% of U.S. places
Recorded about 8 times a year in the area

Tornadoes

8% of expected damage
Above average · higher than 73% of U.S. places
Recorded about once every 29 years in the area

Lower here

HailIce 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 Whitehall flood?

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

1paid claims since 2015
$113paid to owners
0homes flooded more than once
20152026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Whitehall isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Trempealeau County.
Disasters that hit Whitehall

2 federal disasters brought FEMA money here

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

Brought FEMA money into WhitehallDeclared for Trempealeau County only
2010

Severe Storms and Flooding

$9K to the City of Whitehall for repairs
2004

Severe Storms and Flooding

3 households applied for aid $740 aid approved
Trempealeau County has had 13 natural disasters declared since 1953, most often severe storms and floods.
Around Whitehall

Whitehall and the towns around it

Lincoln: High, mostly inland floodingIndependence: High, mostly inland floodingBurnside: High, mostly inland floodingArcadia: Moderate, mostly inland floodingHale: High, mostly inland floodingPigeon: High, mostly inland floodingPreston: High, mostly inland floodingWhitehall: High, mostly inland flooding WhitehallLincolnIndependence
Very lowLowModerateHighVery high
Whitehallmostly inland floodingHigh
Lincolnmostly inland floodingHigh
Independencemostly inland floodingHigh
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. Whitehall 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 Whitehall’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Whitehall. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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