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Natural hazards · Winter

Winter, WI natural hazards

Most of the natural-hazard damage FEMA expects in Winter comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2023. 1 federal disaster brought FEMA money into town.

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

How exposed is Winter?

39
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Winter to be higher than in 39% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves62%Inland flooding30%Everything else8%
By hazard

What Winter faces

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

Cold waves

62% of expected damage
Above average · higher than 66% of U.S. places
Recorded about 9 times a year in the area

Inland flooding

30% of expected damage
Above average · higher than 66% of U.S. places
Recorded about once every 3 years in the area

Lower here

TornadoesHailIce 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 Winter flood?

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

1paid claims since 2023
$55Kpaid to owners
0homes flooded more than once
20232026
of all homes
are insured
No community discount. Winter isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sawyer County.
Disasters that hit Winter

1 federal disaster brought FEMA money here

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

Brought FEMA money into WinterDeclared for Sawyer County only
2000

Severe Storms, Tornadoes, and Flooding

$12K to the Town of Winter for repairs
Sawyer County has had 7 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Winter

Winter and the towns around it

Draper: Low, mostly cold wavesOjibwa: High, mostly cold wavesFlambeau: Low, mostly inland floodingBig Falls: Moderate, mostly inland floodingMeadowbrook: Low, mostly cold wavesSouth Fork: Moderate, mostly inland floodingRadisson: High, mostly cold wavesHunter: Moderate, mostly cold wavesRound Lake: Moderate, mostly cold wavesCedar Rapids: Moderate, mostly inland floodingGeorgetown: Low, mostly inland floodingElk: Low, mostly inland floodingLake: Low, mostly inland floodingChippewa: Low, mostly inland floodingFifield: Low, mostly inland floodingWorcester: Very low, mostly cold wavesDewey: Moderate, mostly inland floodingHubbard: Moderate, mostly inland floodingWeirgor: High, mostly cold wavesHawkins: Moderate, mostly inland floodingKennan: Low, mostly inland floodingCouderay: High, mostly cold wavesHayward: Low, mostly cold wavesSpider Lake: Moderate, mostly cold wavesLenroot: Moderate, mostly cold wavesTrue: Moderate, mostly inland floodingHarmony: Low, mostly inland floodingPhillips: Very low, mostly cold wavesWinter: Low, mostly cold waves WinterDraperOjibwaFlambeauBig FallsMeadowbrookSouth ForkRadissonHunterRound LakeCedar RapidsGeorgetownElk
Very lowLowModerateHighVery high
Ojibwamostly cold wavesHigh
Radissonmostly cold wavesHigh
Big Fallsmostly inland floodingModerate
South Forkmostly inland floodingModerate
Cedar Rapidsmostly inland floodingModerate
Huntermostly cold wavesModerate
Round Lakemostly cold wavesModerate
Wintermostly cold wavesLow
Drapermostly cold wavesLow
Meadowbrookmostly cold wavesLow
Flambeaumostly inland floodingLow
Georgetownmostly inland floodingLow
Elkmostly 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. Winter covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Winter’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Winter. 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 Winter 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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You’re in Winter, WISawyer CountyView boundary

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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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