Natural Disaster Risk in Bay City
Wisconsin
Risk Summary for Bay City
Bay City scores 5.2/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.
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: Bay City, Wisconsin
Bay City is a small community of about 973 in Pierce 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 Bay City.
FEMA rates Bay City's composite natural disaster risk at 5.2 out of 10 — moderate risk. Strong wind is the primary natural hazard, with the area exposed to downburst winds from convective storms that can exceed 80 mph and cause hurricane-level localized damage. Residents should also account for landslide and hail risk in their preparedness planning.
Bay City's risk score, near the 5.4/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Pierce County, the highest-scoring are wind, landslide, and hail. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Bay City's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that wind exposure is adequately protected is a worthwhile step for property owners.
What this means for Bay City: Strong Wind preparedness
- 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.
- Confirm your policy covers wind damage and keep an inventory of property for claims.
Local Factors for Bay City
These city-level factors differentiate Bay City from other communities in Pierce County and provide geographic context for its hazard exposure.
Population
973
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 44.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.8/10
Coordinates
44.6106° N, 92.4289° W
Pierce 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 Bay City
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Bay City
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.