Natural Disaster Risk in Elkhart Lake
Wisconsin
Risk Summary for Elkhart Lake
Elkhart Lake scores 5.9/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Elkhart Lake, Wisconsin
Elkhart Lake, in Sheboygan County, is a town of roughly 3,431 residents 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 Elkhart Lake residents and property owners must navigate.
According to FEMA's National Risk Index, Elkhart Lake carries an overall risk score of 5.9/10, 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 coastal flood and cold wave.
Within Wisconsin, Elkhart Lake's risk is, slightly above the 5.4/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Sheboygan County identifies hail as the foremost hazard, followed by coastal flood and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Elkhart Lake residents are well-served by maintaining standard preparedness practices — 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 Elkhart Lake: 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 Elkhart Lake
These city-level factors differentiate Elkhart Lake from other communities in Sheboygan County and provide geographic context for its hazard exposure.
Population
3,431
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 43.9°
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
43.8623° N, 88.0136° W
Sheboygan 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 Elkhart Lake
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Elkhart Lake
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.