Natural hazards · Spruce

Spruce, WI natural hazards

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

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

Expected damage

How exposed is Spruce?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spruce to be higher than in 19% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding52%Cold waves27%Tornadoes9%Everything else13%

By hazard

What Spruce faces

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

Inland flooding

52% of expected damage

Below average · higher than 39% of U.S. places

Recorded about once a year in the area

Cold waves

27% of expected damage

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

Recorded about 6 times a year in the area

Tornadoes

9% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once every 46 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 Spruce flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Oconto County.

Disasters that hit Spruce

Federal disasters declared here

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

Brought FEMA money into SpruceDeclared for Oconto County only

Oconto County has had 4 natural disasters declared since 1953, most often floods and hurricanes.

Around Spruce

Spruce and the towns around it

Very lowLowModerateHighVery high

Brazeaumostly inland floodingLow

Sprucemostly inland floodingVery low

Lenamostly inland floodingVery low

Maple Valleymostly inland floodingVery low

Oconto Fallsmostly inland floodingVery 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. Spruce 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 Spruce’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Spruce. 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.