🌍 ClimateRiskCheck

Natural Disaster Risk in Butternut

Wisconsin

4.2out of 10
Moderate Risk

Risk Summary for Butternut

Butternut 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

Butternut
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: Butternut, Wisconsin

Butternut is a small community of about 1,827 in Ashland County, in the northern tier of the continental 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 Butternut.

According to FEMA's National Risk Index, Butternut carries an overall risk score of 4.2/10, placing it in the moderate category. Extreme cold snaps top the local risk profile, with Arctic front passages causing rapid and severe temperature drops that challenge both infrastructure and outdoor safety. The area also faces notable exposure to coastal flood and winter.

Butternut'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 Ashland County, the highest-scoring are cold wave, coastal flood, 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, Butternut 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 Butternut: Cold Wave preparedness

  • 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.
  • Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.

Local Factors for Butternut

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

Population

1,827

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 46.0Β°

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

46.0376Β° N, 90.4938Β° 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 Butternut

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Butternut

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.