Natural hazards · La Pointe

La Pointe, WI natural hazards

Most of the natural-hazard damage FEMA expects in La Pointe comes from cold waves, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2024. 2 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is La Pointe?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in La Pointe to be higher than in 0% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves67%Inland flooding24%Everything else9%

By hazard

What La Pointe faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Cold waves

67% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 9 times a year in the area

Inland flooding

24% of expected damage

Well below average · higher than 5% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

HurricanesEarthquakesDroughtAvalanchesTsunamisVolcanic activity

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 La Pointe flood?

Every paid claim on a federal flood insurance policy in La Pointe, from FEMA’s records.

1paid claims since 2024

$255Kpaid to owners

0homes flooded more than once

20242026

of all homes
are insured

No community discount. La Pointe isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Ashland County.

Disasters that hit La Pointe

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in La Pointe itself: aid to households, or repair grants to the Town of La Pointe.

Brought FEMA money into La PointeDeclared for Ashland County only

2001

Flooding, Severe Storms and Tornadoes

$38K to the Town of La Pointe for repairs

1999

Wi-Flood-07/20/99

$2K to the Town of La Pointe for repairs

Ashland County has had 12 natural disasters declared since 1953, most often floods and severe storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. La Pointe covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to La Pointe’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of La Pointe. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across La Pointe total about $1.6M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.