Natural hazards · Pence

Pence, WI natural hazards

Most of the natural-hazard damage FEMA expects in Pence comes from cold waves, and overall the risk is very low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pence?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pence to be higher than in 11% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves48%Inland flooding40%Everything else12%

By hazard

What Pence faces

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

Cold waves

48% of expected damage

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

Recorded about 9 times a year in the area

Inland flooding

40% of expected damage

Below average · higher than 34% of U.S. places

Recorded about once every 3 years in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

HurricanesEarthquakesAvalanchesTsunamisVolcanic 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 Pence flood?

FEMA's records show no paid flood insurance claims in Pence.

of all homes
are insured

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

Insurance rates: Iron County.

Disasters that hit Pence

3 federal disasters brought FEMA money here

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

Brought FEMA money into PenceDeclared for Iron County only

2018

Severe Storms, Straight-Line Winds, and Flooding

$24K to the Town of Pence for repairs

2001

Flooding, Severe Storms and Tornadoes

$35K to the Town of Pence for repairs

1999

Wi-Flood-07/20/99

$6K to the Town of Pence for repairs

Iron County has had 10 natural disasters declared since 1953, most often floods and severe storms.

Around Pence

Pence and the towns around it

Very lowLowModerateHighVery high

Pencemostly cold wavesVery low

Careymostly cold wavesVery low

Knightmostly cold wavesVery low

Kimballmostly cold wavesVery low

Montrealmostly cold wavesVery low

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. Pence is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.