Sawyer County, Wisconsin
Natural disaster risk, federal disaster history and flood insurance facts.
Sawyer County, Wisconsin has a relatively low overall risk from natural hazards in FEMA's National Risk Index. Its risk score is higher than 74% of US counties. It ranks 21st of 72 counties in Wisconsin. The costliest hazards here are cold waves, inland flooding and strong wind. FEMA estimates about $23 million a year in expected losses, or roughly $1,299 per resident. Since 1976 it has been included in 7 federal disaster or emergency declarations for natural events (4 major disasters). The most recent was in August 2016 (severe storms and flooding). Fewer than 1 in 100 homes here carry federal flood insurance (51 policies).
FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.
Top risks in Sawyer County
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Secure outdoor furniture and trash bins before storms.
- Have trees near the house checked.
All 18 hazards
What the ratings mean ›| Hazard | Rating | Score | Expected loss a year | |
|---|---|---|---|---|
| Cold wave | 98.2 | $15M | ||
| Inland flooding | 62.1 | $7M | ||
| Strong wind | 65.8 | $603K | ||
| Tornado | 30.2 | $367K | ||
| Lightning | 57.9 | $218K | ||
| Hail | 49.7 | $182K | ||
| Winter weather | 75.5 | $120K | ||
| Heat wave | 33.2 | $114K | ||
| Ice storm | 38.4 | $34K | ||
| Drought | 33.8 | $26K | ||
| Wildfire | 17.7 | $4K | ||
| Earthquake | 0.8 | $598 | ||
| Landslide | 17.5 | $61 |
Scores are percentiles: a score of 90 means higher risk than about 90% of US counties for that hazard. Hazards FEMA does not rate here are left out. Social vulnerability is very high and community resilience is relatively moderate in FEMA's measures.
Federal disaster history
Recent disasters nationwide ›Declarations by decade
Federal declarations for natural events that included Sawyer County. 2020s bar runs to November 2026.
By type
Most recent
Wisconsin also had 8 statewide declarations that did not name single counties.
Storm history since 1960
Tornado risk by county ›The National Weather Service has logged 385 storm reports in Sawyer County since 1960, with 2 deaths and 7 injuries and about $1.6 million in reported damage. The strongest on record here was an F1 tornado on June 21, 1986.
Strongest tornadoes
| Date | Strength | Near | Hurt / killed |
|---|---|---|---|
| Jun 21, 1986 | F1 | – | 0 / 0 |
| Jul 10, 1966 | F1 | – | 0 / 0 |
| Aug 9, 1992 | F1 | – | 0 / 0 |
| Aug 9, 1992 | F1 | – | 0 / 0 |
| Sep 26, 1986 | F0 | – | 0 / 0 |
Most damaging storms
| Date | Type | Near | Damage |
|---|---|---|---|
| May 30, 1994 | Thunderstorm Wind | Seeley | $550K |
| Apr 12, 2023 | Flood | Moose Lake | $300K |
| Jun 21, 1986 | Tornado | – | $250K |
| May 25, 2008 | Lightning | Winter | $200K |
| Jul 14, 2010 | Thunderstorm Wind | Hayward | $80K |
| Apr 17, 2026 | Thunderstorm Wind | Hayward | $50K |
Source: NOAA Storm Events Database, county-based reports through Jun 10, 2026. Tornado records start in 1950, hail and wind in 1955, and floods and other storm types in 1996, so older decades undercount. Damage is in dollars of the year it happened and is often an estimate. Winter storms, heat and hurricanes are logged by forecast zone, not county, so they are not counted here.
Flood insurance in Sawyer County
Check your address flood zone ›National Flood Insurance Program (NFIP) records only; private flood policies are not included. Home counts as of Aug 3, 2026. Since 2021 NFIP prices each home separately under Risk Rating 2.0, so your price depends on the building, not the county. Ask an agent for a quote.
Homes in Sawyer County
Older homes and mobile homes usually suffer more damage in storms, floods and earthquakes, and can cost more to insure. If you are buying, ask about roof age, foundation bolting and any retrofits. Source: US Census Bureau, American Community Survey 2020 to 2024 5-year estimates; 16,250 housing units.
Compare in Wisconsin
All 72 ›| Largest counties | Overall risk | Top hazard |
|---|---|---|
| Milwaukee County | Cold wave | |
| Dane County | Inland flooding | |
| Waukesha County | Inland flooding | |
| Brown County | Inland flooding | |
| Racine County | Inland flooding | |
| Outagamie County | Inland flooding | |
| Winnebago County | Inland flooding | |
| Kenosha County | Cold wave |
Neighboring counties
| County | Overall risk | Declarations |
|---|---|---|
| Barron County | 8 | |
| Douglas County | 8 | |
| Washburn County | 8 | |
| Bayfield County | 10 | |
| Ashland County | 12 | |
| Rusk County | 10 | |
| Price County | 6 |
Common questions about Sawyer County
What is the biggest natural hazard in Sawyer County?
Cold wave has the highest expected yearly losses in Sawyer County, about $14.9 million a year in FEMA's estimate. Inland flooding is second at $6.8 million.
How many federal disasters has Sawyer County had?
Sawyer County has been included in 7 federal disaster or emergency declarations for natural events since 1976, including 4 major disasters. The most recent was Severe Storms and Flooding in August 2016.
Is Sawyer County a high-risk place to live?
Its overall rating is Relatively Low, 21st highest of 72 in Wisconsin. A county rating covers the whole area. Risk at one address can be much higher or lower, so check the FEMA flood map and ask about the home's history.
Do I need flood insurance in Sawyer County?
Standard home insurance does not cover flooding. About 1 in 250 homes in Sawyer County has federal flood insurance. Lenders require it in mapped high-risk zones, but many flood claims come from outside those zones.
How many tornadoes has Sawyer County had?
NOAA records list 8 tornadoes in Sawyer County since 1950. The strongest was an F1 tornado on June 21, 1986. The weather service has also logged 174 hail reports and 20 floods here.
Sources: FEMA National Risk Index (December 2025), OpenFEMA Disaster Declarations Summaries, and NFIP policy and claims data. Hazard Compass is independent and not affiliated with FEMA. These figures describe the whole county, not a single property, and are not insurance or safety advice. Report a problem.