Natural hazards · Spirit

Spirit, WI natural hazards

Most of the natural-hazard damage FEMA expects in Spirit comes from cold waves, 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 Spirit?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spirit to be higher than in 22% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves46%Inland flooding40%Tornadoes7%Everything else7%

By hazard

What Spirit faces

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

Cold waves

46% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 9 times a year in the area

Inland flooding

40% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

7% of expected damage

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

Recorded about once every 12 years in the area

Lower here

HailIce 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 Spirit flood?

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

of all homes
are insured

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

Insurance rates: Price County.

Disasters that hit Spirit

Federal disasters declared here

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

Brought FEMA money into SpiritDeclared for Price County only

Price County has had 6 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Spirit

Spirit and the towns around it

Very lowLowModerateHighVery high

Tomahawkmostly inland floodingModerate

Rib Lakemostly inland floodingLow

Spiritmostly cold wavesLow

Knoxmostly cold wavesLow

Hillmostly cold wavesLow

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