Natural hazards · Ruby

Ruby, WI natural hazards

Most of the natural-hazard damage FEMA expects in Ruby comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Ruby?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ruby to be higher than in 32% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding48%Cold waves29%Tornadoes11%Everything else13%

By hazard

What Ruby faces

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

Inland flooding

48% of expected damage

Above average · higher than 52% of U.S. places

Recorded about once a year in the area

Cold waves

29% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about 9 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 14 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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 Ruby flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Chippewa County.

Disasters that hit Ruby

Federal disasters declared here

None of the disasters declared for Chippewa County shows FEMA aid or repair money reaching Ruby itself in FEMA’s records.

Brought FEMA money into RubyDeclared for Chippewa County only

Chippewa County has had 9 natural disasters declared since 1953, most often floods and severe storms.

Around Ruby

Ruby and the towns around it

Very lowLowModerateHighVery high

Marshallmostly inland floodingHigh

Pershingmostly inland floodingLow

Rubymostly inland floodingLow

Lake Holcombemostly inland floodingLow

Colburnmostly inland floodingLow

Estellamostly inland floodingLow

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. Ruby 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 Ruby’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Ruby. 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.