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–Not graded
Natural hazards in Reserve · FEMA

Storms, floods and disasters in Reserve

Reserve isn’t graded for hazard risk: Reserve has 252 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 6 declared for Sawyer County
By hazard

What Reserve 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

94%of expected building damage
Above average · higher than 79% of U.S. census tracts
Recorded about once every 3 years in the area
Smaller shares here
 Tornadoes Hail Strong wind Lightning Winter storms Ice storms Earthquakes Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 68% of Reserve’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

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 Reserve flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Reserve. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of all homes are insured
No community discount

Reserve 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

The storms Reserve remembers

None of the 6 disasters declared for Sawyer County shows FEMA aid or repair money reaching Reserve itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in ReserveSawyer County only

Sawyer County has had 6 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.

Next door

Reserve and its neighbors

How expected damage per building compares across the town line. Tap a town to see its hazards.

Bass Lake: hazard risk B−Sand Lake: not gradedCouderay: not gradedChief Lake: not gradedNew Post: not gradedRadisson: not gradedHayward: hazard risk BCouderay: not gradedBass LakeSand LakeCouderayChief LakeNew PostRadissonHaywardCouderayReserve
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
HaywardBless damage than 61%river and rain flooding—
Bass LakeB−more damage than 51%river and rain flooding—
Sand Lake—not graded yet
Couderay—278 residents; we grade 1,000+
Chief Lake—660 residents; we grade 1,000+
New Post—340 residents; we grade 1,000+
Radisson—535 residents; we grade 1,000+
Couderay—118 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.

Be ready

Get ready for what Reserve faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Reserve

Is Reserve 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 Sawyer County, 0.4% of all homes carry federal flood insurance.

How much is flood insurance in Reserve?

FEMA’s Community Rating System list shows no discount for Reserve’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Storm stories

Memories, warnings and help from neighbors in Reserve.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Reserve’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.