Natural hazards · Woodruff

Woodruff, WI natural hazards

Most of the natural-hazard damage FEMA expects in Woodruff comes from cold waves, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2017. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Woodruff?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Woodruff to be higher than in 5% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves53%Inland flooding35%Everything else12%

By hazard

What Woodruff faces

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

Cold waves

53% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 9 times a year in the area

Inland flooding

35% of expected damage

Well below average · higher than 18% 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 Woodruff flood?

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

1paid claims since 2017

$15Kpaid to owners

0homes flooded more than once

20172026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Oneida County.

Disasters that hit Woodruff

1 federal disaster brought FEMA money here

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

Brought FEMA money into WoodruffDeclared for Oneida County only

1999

Wi-Flood-07/20/99

$4K to the Town of Woodruff for repairs

Oneida County has had 7 natural disasters declared since 1953, most often floods and severe storms.

Around Woodruff

Woodruff and the towns around it

Very lowLowModerateHighVery high

Newboldmostly inland floodingModerate

Lake Tomahawkmostly cold wavesVery low

Arbor Vitaemostly cold wavesVery low

Lac du Flambeaumostly cold wavesVery low

Minocquamostly cold wavesVery low

Woodruffmostly cold wavesVery 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. Woodruff covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Woodruff’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Woodruff. 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 Woodruff total about $1.3M 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.