Natural Disaster Risk in La Pointe
Wisconsin
Risk Summary for La Pointe
La Pointe scores 4.2/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Cold Wave.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: La Pointe, Wisconsin
La Pointe, in Ashland County, is a small unincorporated community situated in the northern tier of the continental United States. Its humid continental climate brings long, cold winters with lake-effect snow and warm summers, and in particular severe blizzards and spring tornado outbreaks. These conditions collectively define the natural hazard environment that La Pointe residents and property owners must navigate.
La Pointe's overall natural disaster risk is rated 4.2/10 (Moderate) by FEMA's National Risk Index. Cold wave events are the primary hazard risk, driven by periodic invasions of Arctic air that drive wind chills to life-threatening levels and stress heating systems. Secondary hazards include coastal flood and winter.
Within Wisconsin, La Pointe's risk is, slightly below the 5.4/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Ashland County identifies cold wave as the foremost hazard, followed by coastal flood and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, La Pointe residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for cold wave is recommended.
What this means for La Pointe: Cold Wave preparedness
- Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
- Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
- Keep emergency heat and supplies ready in case of cold-related power outages.
Local Factors for La Pointe
These city-level factors differentiate La Pointe from other communities in Ashland County and provide geographic context for its hazard exposure.
Population
321
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 46.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.7/10
Coordinates
46.9226° N, 90.6239° W
Ashland County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for La Pointe
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in La Pointe
Other cities in Wisconsin
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.