🌍 ClimateRiskCheck

Natural Disaster Risk in Bayfield County

Wisconsin

4.8out of 10
Moderate Risk

Risk Summary for Bayfield County

Bayfield County scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Cold Wave Winter Weather

All 18 Hazard Scores

Coastal Flooding
8.9
Cold Wave
8.8
Winter Weather
8.7
Strong Wind
6.8
Lightning
6.7
Tsunami
5.4
Volcanic Activity
5.1
Avalanche
4.5
Extreme Heat
4.0
Hail
3.8
Landslide
3.5
Drought
3.2
Ice Storm
2.9
Wildfire
2.8
Tornado
2.6
Hurricane
2.4
Earthquake
1.1
Riverine Flooding
1.0

How it compares

Bayfield County
4.8
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: Bayfield County, Wisconsin

Bayfield County is located in the United States in Wisconsin, home to roughly 16,173 residents. The county experiences long, cold winters with lake-effect snow and warm summers, with severe blizzards and spring tornado outbreaks shaping the natural hazards faced by its communities. FEMA assesses risk at this county level, providing the baseline for every city and ZIP code within its boundaries.

According to FEMA's National Risk Index, Bayfield County carries an overall risk score of 4.8/10, placing it in the moderate category. Coastal flood risk defines the local natural hazard environment, with sea-level rise trends gradually increasing the frequency of tidal flooding events alongside storm surge threats. The area also faces notable exposure to cold wave and winter.

Bayfield County'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 Bayfield County, the highest-scoring are coastal flood, cold wave, and winter. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Bayfield County 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 coastal flood is recommended.

What this means for Bayfield County: Coastal Flooding preparedness

  • Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
  • Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
  • Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.

Cities in Bayfield County

ZIP codes in Bayfield County

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.