Natural hazards · Spooner

Spooner, WI natural hazards

Most of the natural-hazard damage FEMA expects in Spooner comes from cold waves, and overall the risk is very low 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 Spooner?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spooner to be higher than in 10% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves54%Inland flooding23%Tornadoes9%Lightning6%Everything else8%

By hazard

What Spooner faces

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

Cold waves

54% of expected damage

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

Recorded about 10 times a year in the area

Inland flooding

23% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about once every 7 years in the area

Tornadoes

9% of expected damage

Above average · higher than 63% of U.S. places

Lightning

6% of expected damage

Above average · higher than 71% of U.S. places

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windDrought

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 Spooner flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Washburn County.

Disasters that hit Spooner

1 federal disaster brought FEMA money here

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

Brought FEMA money into SpoonerDeclared for Washburn County only

2001

Flooding, Severe Storms and Tornadoes

$11K to the City of Spooner for repairs

Washburn County has had 8 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Spooner

Spooner and the towns around it

Very lowLowModerateHighVery high

Beaver Brookmostly cold wavesVery low

Evergreenmostly cold wavesVery low

Bashawmostly cold wavesVery low

Spoonermostly 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. Spooner 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 Spooner’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Spooner. 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.