🌍 ClimateRiskCheck

Natural Disaster Risk in Alma

Wisconsin

4.5out of 10
Moderate Risk

Risk Summary for Alma

Alma scores 4.5/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Hail Cold Wave

All 18 Hazard Scores

Landslide
9.2
Hail
6.7
Cold Wave
6.1
Tsunami
5.4
Volcanic Activity
5.1
Ice Storm
5.0
Coastal Flooding
4.9
Drought
4.8
Avalanche
4.5
Tornado
4.4
Extreme Heat
3.9
Strong Wind
3.8
Lightning
3.4
Winter Weather
3.3
Hurricane
2.4
Wildfire
1.6
Earthquake
1.4
Riverine Flooding
1.0

How it compares

Alma
4.5
Wisconsin avg.
5.4
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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: Alma, Wisconsin

Alma is a small community of about 1,564 in Buffalo County, in the interior eastern United States. The area experiences long, cold winters with lake-effect snow and warm summers, with severe blizzards and spring tornado outbreaks shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Alma.

According to FEMA's National Risk Index, Alma carries an overall risk score of 4.5/10, placing it in the moderate category. Slope instability and debris flows are the primary natural hazard, driven by a combination of local geology, precipitation intensity, and terrain that creates susceptibility to failure. The area also faces notable exposure to hail and cold wave.

Alma's risk score, slightly below the 5.4/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Buffalo County, the highest-scoring are landslide, hail, and cold wave. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Alma residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for landslide is recommended.

What this means for Alma: Landslide preparedness

  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.
  • Have an evacuation plan ready during periods of intense or prolonged rainfall.

Local Factors for Alma

These city-level factors differentiate Alma from other communities in Buffalo County and provide geographic context for its hazard exposure.

Population

1,564

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 44.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 1.6/10

Coordinates

44.3708Β° N, 91.8255Β° W

Buffalo 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 Alma

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Alma

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.