🌍 ClimateRiskCheck

Natural Disaster Risk in Dane

Wisconsin

7.6out of 10
High Risk

Risk Summary for Dane

Dane scores 7.6/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Hail Tornado

All 18 Hazard Scores

Hail
9.9
Cold Wave
9.9
Tornado
9.8
Extreme Heat
9.6
Winter Weather
9.4
Strong Wind
9.3
Lightning
9.2
Landslide
9.1
Ice Storm
8.6
Earthquake
7.4
Wildfire
6.5
Tsunami
5.4
Hurricane
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Drought
4.7
Avalanche
4.5
Riverine Flooding
1.0

How it compares

Dane
7.6
Wisconsin avg.
5.4
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” 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: Dane, Wisconsin

Dane is a town of roughly 2,611 residents in Dane County, in the interior eastern 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 Dane.

According to FEMA's National Risk Index, Dane carries an overall risk score of 7.6/10, placing it in the high 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 hail and tornado.

Dane's risk score, considerably above the 5.4/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Dane County, the highest-scoring are cold wave, hail, and tornado. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, Dane 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 Dane: 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 Dane

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

Population

2,611

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 43.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.5/10

Coordinates

43.2407Β° N, 89.5250Β° 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 Dane

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Dane

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.