Natural Disaster Risk in Combined Locks
Wisconsin
Risk Summary for Combined Locks
Combined Locks scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Combined Locks, Wisconsin
Located in the interior eastern United States in Outagamie County, Combined Locks is a town of roughly 3,622 residents. The humid continental climate that characterizes this part of Wisconsin — marked by long, cold winters with lake-effect snow and warm summers — directly influences the types and severity of natural hazards present, making Combined Locks a community where hazard awareness has real practical value.
Combined Locks's overall natural disaster risk is rated 6.1/10 (High) by FEMA's National Risk Index. 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. Secondary hazards include hail and lightning.
Relative to other U.S. communities, Combined Locks's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 5.4/10 state average. The hazard distribution here is led by cold wave and hail, as measured by FEMA across Outagamie County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, Combined Locks residents benefit from taking preparedness seriously. Reviewing insurance coverage for cold wave and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for Combined Locks: Cold Wave preparedness
- 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.
- Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
Local Factors for Combined Locks
These city-level factors differentiate Combined Locks from other communities in Outagamie County and provide geographic context for its hazard exposure.
Population
3,622
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 44.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.6/10
Coordinates
44.2640° N, 88.3071° W
Outagamie 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 Combined Locks
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Combined Locks
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.