Natural hazards · Spider Lake

Spider Lake, WI natural hazards

Most of the natural-hazard damage FEMA expects in Spider Lake comes from cold waves, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Spider Lake?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spider Lake to be higher than in 44% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves59%Inland flooding34%Everything else7%

By hazard

What Spider Lake faces

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

Cold waves

59% of expected damage

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

Recorded about 9 times a year in the area

Inland flooding

34% of expected damage

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

Recorded about once every 3 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Spider Lake flood?

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

of all homes
are insured

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

Insurance rates: Sawyer County.

Disasters that hit Spider Lake

1 federal disaster brought FEMA money here

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

Brought FEMA money into Spider LakeDeclared for Sawyer County only

2016

Severe Storms and Flooding

$18K to the Town of Spider Lake for repairs

Sawyer County has had 7 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Spider Lake

Spider Lake and the towns around it

Very lowLowModerateHighVery high

Spider Lakemostly cold wavesModerate

Round Lakemostly cold wavesModerate

Lenrootmostly cold wavesModerate

Shanagoldenmostly inland floodingLow

Cablemostly inland floodingLow

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