FEMA expects more hazard damage per building in Whiting than in 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Whiting gets a C for hazard risk: higher expected damage per building than 67% of U.S. towns. Most of that expected damage is river and rain flooding (86%). 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 Whiting 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 Whiting’s grade
River and rain flooding is 86% of the building damage FEMA expects in Whiting, and Whiting’s rate of river and rain flooding damage is higher than 80% of U.S. census tracts. Next is tornadoes at 8% (higher than 77% of U.S. census tracts).
C higher expected damage per building than 67% of U.S. towns (21,298).
Whiting’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.0M a year in losses across Whiting: $704K to buildings, the rest to people and crops.
Does Whiting flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Whiting. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Whiting isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Portage County.1 federal disaster brought FEMA money to Whiting
Disasters that paid out in Whiting itself (aid to households or repair grants to the Village of Whiting), newest first, with that year’s flood claims.
- 2019Severe Storms, Tornadoes, Straight-line Winds, and Flooding$36K to the Village of Whiting for repairs
Portage 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 Whiting after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Whiting archive →Whiting and its neighbors
Whiting is 4th 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 |
|---|---|---|---|
| Plover | B−more damage than 53% | river and rain flooding | 1 |
| Plover | B−more damage than 54% | river and rain flooding | — |
| Stevens Point | C+more damage than 60% | river and rain flooding | 3 |
| Whiting | Cmore damage than 67% | river and rain flooding | 0 |
| Linwood | Cmore damage than 70% | river and rain flooding | — |
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 Whiting 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 Whiting
Is Whiting at risk for natural disasters?
On FEMA’s National Risk Index, Whiting has higher expected damage per building than 67% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (86%) and tornadoes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Whiting 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 Portage County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Whiting?
FEMA’s Community Rating System list shows no discount for Whiting’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 Whiting?
By FEMA money that reached Whiting, Severe Storms, Tornadoes, Straight-line Winds, and Flooding (2019): $36K to the Village of Whiting for repairs.
Is Whiting at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Whiting’s rate for it is higher than 80% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Whiting.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Whiting’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.