Natural Disaster Risk in Cottage Grove
Wisconsin
Risk Summary for Cottage Grove
Cottage Grove scores 7.6/10 (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: Cottage Grove, Wisconsin
Located in the interior eastern United States in Dane County, Cottage Grove is a city of approximately 11,924 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 Cottage Grove a community where hazard awareness has real practical value.
Cottage Grove's overall natural disaster risk is rated 7.6/10 (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 tornado.
Relative to other U.S. communities, Cottage Grove's natural disaster risk is well above the U.S. national average of 4.5/10, considerably above the 5.4/10 state average. The hazard distribution here is led by cold wave and hail, as measured by FEMA across Dane County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Cottage Grove's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Cottage Grove: 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 Cottage Grove
These city-level factors differentiate Cottage Grove from other communities in Dane County and provide geographic context for its hazard exposure.
Population
11,924
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 43.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.5/10
Coordinates
43.0635° N, 89.1914° W
Dane 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 Cottage Grove
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Cottage Grove
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.