Natural hazards · Whitestown

Whitestown, WI natural hazards

Most of the natural-hazard damage FEMA expects in Whitestown comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 35 claims here since 1992. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Whitestown?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Whitestown to be higher than in 60% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding42%Cold waves37%Tornadoes6%Landslides6%Everything else10%

By hazard

What Whitestown faces

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

Inland flooding

42% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 3 times a year in the area

Cold waves

37% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 7 times a year in the area

Tornadoes

6% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 17 years in the area

Landslides

6% of expected damage

Well above average · higher than 97% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesStrong 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 Whitestown flood?

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

35paid claims since 1992

$1.6Mpaid to owners

0homes flooded more than once

19922026

Biggest named events

Storm: 12 claims, $214K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Vernon County.

Disasters that hit Whitestown

6 federal disasters brought FEMA money here

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

Brought FEMA money into WhitestownDeclared for Vernon County only

2019

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

$9K to the Town of Whitestown for repairs

2018

Severe Storms, Tornadoes, Straight-Line Winds, Flooding, and Landslides

$119K to the Town of Whitestown for repairs

2017

Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mud

$44K to the Town of Whitestown for repairs

2016

Severe Storms, Flooding, and Mudslides

$32K to the Town of Whitestown for repairs

2008

Severe Storms, Tornadoes, and Flooding

$236K to the Town of Whitestown for repairs

2007

Severe Storms and Flooding

$49K to the Town of Whitestown for repairs

Vernon County has had 21 natural disasters declared since 1953, most often severe storms and floods.

Around Whitestown

Whitestown and the towns around it

Very lowLowModerateHighVery high

Sheldonmostly inland floodingHigh

Whitestownmostly inland floodingHigh

Ontariomostly inland floodingHigh

Clintonmostly inland floodingHigh

Starkmostly inland floodingHigh

Forestmostly cold wavesModerate

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. Whitestown covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Whitestown’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Whitestown. 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 Whitestown total about $3.8M 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.