🌍 ClimateRiskCheck

Natural Disaster Risk in Baldwin

Wisconsin

5.8out of 10
Moderate Risk

Risk Summary for Baldwin

Baldwin scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.

Top Hazards

Strong Wind Hail Tornado

All 18 Hazard Scores

Strong Wind
9.4
Hail
8.9
Tornado
8.7
Lightning
7.9
Cold Wave
7.9
Landslide
7.3
Winter Weather
7.0
Extreme Heat
5.6
Tsunami
5.4
Wildfire
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Ice Storm
4.5
Hurricane
2.4
Drought
2.4
Earthquake
1.9
Riverine Flooding
1.0

How it compares

Baldwin
5.8
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: Baldwin, Wisconsin

Baldwin, in St. Croix County, is a town of roughly 6,872 residents situated in the interior eastern 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 Baldwin residents and property owners must navigate.

According to FEMA's National Risk Index, Baldwin carries an overall risk score of 5.8/10, placing it in the moderate category. High-wind events from severe thunderstorms and derechos are the leading hazard, with damaging gusts capable of downing trees and causing widespread structural damage. The area also faces notable exposure to hail and tornado.

Within Wisconsin, Baldwin's risk is, near the 5.4/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of St. Croix County identifies wind as the foremost hazard, followed by hail and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Baldwin 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 wind is recommended.

What this means for Baldwin: Strong Wind preparedness

  • Confirm your policy covers wind damage and keep an inventory of property for claims.
  • Inspect and reinforce roofing, siding, and garage doors, which are common failure points in high winds.
  • Secure or store outdoor furniture and loose objects that can become projectiles.

Local Factors for Baldwin

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

Population

6,872

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 45.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.2/10

Coordinates

44.9587Β° N, 92.3712Β° W

St. Croix 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 Baldwin

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Baldwin

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.