Natural hazards · Williams Bay

Williams Bay, WI natural hazards

Most of the natural-hazard damage FEMA expects in Williams Bay comes from inland flooding, and overall the risk is very low for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Williams Bay?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Williams Bay to be higher than in 7% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding37%Tornadoes21%Cold waves20%Hail11%Strong wind5%Everything else7%

By hazard

What Williams Bay faces

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

Inland flooding

37% of expected damage

Well below average · higher than 8% of U.S. places

Recorded about once a year in the area

Tornadoes

21% of expected damage

Above average · higher than 74% of U.S. places

Cold waves

20% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 5 times a year in the area

Hail

11% of expected damage

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

Recorded about 5 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Williams Bay flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Walworth County.

Disasters that hit Williams Bay

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Williams Bay itself: aid to households, or repair grants to the Village of Williams Bay.

Brought FEMA money into Williams BayDeclared for Walworth County only

2011

Severe Winter Storm and Snowstorm

$8K to the Village of Williams Bay for repairs

2008

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

2008

Record Snow and Near Record Snow

$7K to the Village of Williams Bay for repairs

2000

Snow

$2K to the Village of Williams Bay for repairs

Walworth County has had 11 natural disasters declared since 1953, most often winter storms and severe storms.

Around Williams Bay

Williams Bay and the towns around it

Very lowLowModerateHighVery high

Walworthmostly inland floodingLow

Linnmostly inland floodingLow

Genevamostly inland floodingVery low

Delavanmostly inland floodingVery low

Williams Baymostly inland floodingVery 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. Williams Bay covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Williams Bay’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Williams Bay. 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 Williams Bay total about $985K 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.