Photo: self · CC BY-SA 2.5On FEMA’s figures, Mosinee faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Mosinee gets a B− for hazard risk: higher expected damage per building than 54% of U.S. towns, #313 of 362 in Wisconsin. Most of that expected damage is river and rain flooding (84%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Mosinee faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Mosinee’s grade
River and rain flooding is 84% of the building damage FEMA expects in Mosinee, and Mosinee’s rate of river and rain flooding damage is higher than 71% of U.S. census tracts. Lightning adds 2%, at a rate in the top 1% of U.S. census tracts.
B− #313 of 362 in Wisconsin; higher expected damage per building than 54% of U.S. towns (21,298).
Mosinee’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Wisconsin town has lower expected damage than 79% of U.S. towns; within the state, Mosinee has more expected damage per building than 86% of Wisconsin towns.
In dollars, FEMA expects about $2.6M a year in losses across Mosinee: $1.6M to buildings, the rest to people and crops.
Does Mosinee flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Mosinee. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Mosinee isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Marathon County.1 federal disaster brought FEMA money to Mosinee
Disasters that paid out in Mosinee itself (aid to households or repair grants to the City of Mosinee), newest first, with that year’s flood claims.
- 2026Severe Storms, Tornadoes, and Flooding6 households applied for aid$23K aid approved
Marathon County has had 9 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Mosinee after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mosinee archive →Mosinee and its neighbors
Mosinee has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Mosinee | B−more damage than 54% | river and rain flooding | 0 |
| Mosinee | C+more damage than 56% | river and rain flooding | — |
| Knowlton | Cmore damage than 67% | river and rain flooding | — |
| Kronenwetter | Cmore damage than 67% | river and rain flooding | 1 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Mosinee faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Mosinee
Is Mosinee at risk for natural disasters?
On FEMA’s National Risk Index, Mosinee has higher expected damage per building than 54% of U.S. towns: B− for hazard risk, #313 of 362 in Wisconsin. Most of the expected damage is river and rain flooding (84%) and tornadoes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Mosinee in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Marathon County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Mosinee?
FEMA’s Community Rating System list shows no discount for Mosinee’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Mosinee?
By FEMA money that reached Mosinee, Severe Storms, Tornadoes, and Flooding (2026): 6 households applied for aid, $23K approved.
Is Mosinee at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Mosinee’s rate for it is higher than 71% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mosinee.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mosinee’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.