🌍 ClimateRiskCheck

Natural Disaster Risk in Coloma

Wisconsin

5.3out of 10
Moderate Risk

Risk Summary for Coloma

Coloma scores 5.3/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Cold Wave Strong Wind

All 18 Hazard Scores

Hail
9.2
Cold Wave
7.9
Strong Wind
6.6
Tornado
6.5
Landslide
5.9
Wildfire
5.7
Tsunami
5.4
Extreme Heat
5.2
Volcanic Activity
5.1
Drought
5.0
Coastal Flooding
4.9
Avalanche
4.5
Winter Weather
4.2
Hurricane
3.9
Lightning
3.7
Ice Storm
3.6
Earthquake
2.4
Riverine Flooding
1.0

How it compares

Coloma
5.3
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: Coloma, Wisconsin

Coloma, in Waushara County, is a small community of about 1,840 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 Coloma residents and property owners must navigate.

According to FEMA's National Risk Index, Coloma carries an overall risk score of 5.3/10, placing it in the moderate category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to cold wave and wind.

Within Wisconsin, Coloma'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 Waushara County identifies hail as the foremost hazard, followed by cold wave and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Coloma 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 hail is recommended.

What this means for Coloma: Hail preparedness

  • Document roof and property condition annually to streamline any future hail claims.
  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
  • Park vehicles under cover when severe storms are forecast to avoid costly hail damage.

Local Factors for Coloma

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

Population

1,840

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 44.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.7/10

Coordinates

44.0288Β° N, 89.5638Β° W

Waushara 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 Coloma

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Coloma

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.