Guest, Sign inJoin

Post to Phillips

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
Lidice MemorialLidice Memorial · Photo: Royalbroil · Public domain
AHazard risk
Natural hazards in Phillips · FEMA

Less hazard damage per building is expected in Phillips than in 90% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Phillips gets an A for hazard risk: lower expected damage per building than 90% of U.S. towns. Most of that expected damage is river and rain flooding (83%), then tornadoes (13%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 83%Tornadoes 13%Strong wind 2%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

less than 90%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A
in Wisconsin · lower than 90% of U.S. towns
Main hazard
River and rain flooding
83% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 5 declared for Price County
By hazard

What Phillips faces

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

River and rain flooding

83%of expected building damage
Below average · lower than 69% of U.S. census tracts
Recorded about once every 3 years in the area

Tornadoes

13%of expected building damage
Above average · higher than 68% of U.S. census tracts
Smaller shares here
 Strong wind Hail Lightning top 4% Ice storms Earthquakes Wildfire Winter storms Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 46% of Phillips’ expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Phillips’ grade

River and rain flooding is 83% of the building damage FEMA expects in Phillips, and Phillips’ rate of river and rain flooding damage is lower than 69% of U.S. census tracts. Next is tornadoes at 13% (higher than 68% of U.S. census tracts).

Where Phillips sits
Phillips
Least damageMiddleMost damage

A lower expected damage per building than 90% of U.S. towns (21,298).

Phillips’ residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding83%Tornadoes13%Everything else4%

In dollars, FEMA expects about $940K a year in losses across Phillips: $428K to buildings, the rest to people and crops.

A small-area figure. Phillips covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Phillips flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Phillips. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of all homes are insured
No community discount

Phillips 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

The storms Phillips remembers

None of the 5 disasters declared for Price County shows FEMA aid or repair money reaching Phillips itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in PhillipsPrice County only

Price County has had 5 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Next door

Phillips and its neighbors

Phillips has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.

Worcester: hazard risk A−Elk: not gradedWorcesterElkPhillips
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
PhillipsAless damage than 90%river and rain flooding0
WorcesterA−less damage than 84%river and rain flooding—
Elk—949 residents; we grade 1,000+

Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.

Be ready

Get ready for what Phillips faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Phillips

Is Phillips at risk for natural disasters?

On FEMA’s National Risk Index, Phillips has lower expected damage per building than 90% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (83%) and tornadoes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Phillips in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Price County, 0.2% of all homes carry federal flood insurance.

How much is flood insurance in Phillips?

FEMA’s Community Rating System list shows no discount for Phillips’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Phillips at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (83%), and Phillips’ rate for it is lower than 69% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Phillips.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Phillips’ residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.