FEMA expects about as much hazard damage per building in Pine Lake as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Pine Lake gets a B for hazard risk: lower expected damage per building than 56% of U.S. towns, #287 of 362 in Wisconsin. Most of that expected damage is river and rain flooding (90%). 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 Pine Lake 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 Pine Lake’s grade
River and rain flooding is 90% of the building damage FEMA expects in Pine Lake, and Pine Lake’s rate of river and rain flooding damage is higher than 69% of U.S. census tracts. Next is tornadoes at 6% (higher than 60% of U.S. census tracts).
B #287 of 362 in Wisconsin; lower expected damage per building than 56% of U.S. towns (21,298).
Pine Lake’s residents live in 5 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, Pine Lake has more expected damage per building than 79% of Wisconsin towns.
In dollars, FEMA expects about $1.7M a year in losses across Pine Lake: $774K to buildings, the rest to people and crops.
Does Pine Lake flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Pine Lake. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Pine Lake 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.1 federal disaster brought FEMA money to Pine Lake
Disasters that paid out in Pine Lake itself (aid to households or repair grants to the Town of Pine Lake), newest first, with that year’s flood claims.
- 2000Severe Storms, Tornadoes, and Flooding$8K to the Town of Pine Lake for repairs
Oneida County has had 6 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Pine Lake after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Pine Lake archive →Pine Lake and its neighbors
Pine Lake is 5th of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Rhinelander | A−less damage than 79% | river and rain flooding | — |
| Newbold | Bless damage than 60% | river and rain flooding | — |
| Pelican | Bless damage than 58% | river and rain flooding | — |
| Sugar Camp | Bless damage than 56% | river and rain flooding | — |
| Pine Lake | Bless damage than 56% | river and rain flooding | 0 |
| Stella | — | 653 residents; we grade 1,000+ | |
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 Pine Lake 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 Pine Lake
Is Pine Lake at risk for natural disasters?
On FEMA’s National Risk Index, Pine Lake has lower expected damage per building than 56% of U.S. towns: B for hazard risk, #287 of 362 in Wisconsin. Most of the expected damage is river and rain flooding (90%) and tornadoes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Pine Lake 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 Oneida County, 7% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Pine Lake?
FEMA’s Community Rating System list shows no discount for Pine Lake’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 Pine Lake?
By FEMA money that reached Pine Lake, Severe Storms, Tornadoes, and Flooding (2000): $8K to the Town of Pine Lake for repairs.
Is Pine Lake at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Pine Lake’s rate for it is higher than 69% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Pine Lake.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pine Lake’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.