🌍 ClimateRiskCheck

Natural Disaster Risk in Ashland

Wisconsin

4.2out of 10
Moderate Risk

Risk Summary for Ashland

Ashland scores 4.2/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Coastal Flooding Winter Weather

All 18 Hazard Scores

Cold Wave
9.0
Coastal Flooding
8.8
Winter Weather
8.1
Lightning
6.1
Tsunami
5.4
Volcanic Activity
5.1
Avalanche
4.5
Hail
3.3
Extreme Heat
3.3
Drought
2.8
Strong Wind
2.7
Ice Storm
2.6
Tornado
2.5
Hurricane
2.4
Landslide
2.2
Wildfire
1.7
Earthquake
1.3
Riverine Flooding
1.0

How it compares

Ashland
4.2
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: Ashland, Wisconsin

Ashland, in Ashland County, is a city of approximately 11,704 residents 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 Ashland residents and property owners must navigate.

According to FEMA's National Risk Index, Ashland carries an overall risk score of 4.2/10, placing it in the moderate category. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. The area also faces notable exposure to coastal flood and winter.

Within Wisconsin, Ashland'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, Ashland 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 cold wave is recommended.

What this means for Ashland: 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 Ashland

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

Population

11,704

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 46.5Β°

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: 1.7/10

Coordinates

46.5478Β° N, 90.8506Β° 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 Ashland

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Ashland

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.