🌍 ClimateRiskCheck

Natural Disaster Risk in Elkhorn

Wisconsin

6.4out of 10
High Risk

Risk Summary for Elkhorn

Elkhorn scores 6.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Cold Wave Tornado

All 18 Hazard Scores

Hail
9.5
Tornado
9.0
Cold Wave
9.0
Strong Wind
8.3
Lightning
7.8
Extreme Heat
7.7
Landslide
7.0
Winter Weather
5.9
Earthquake
5.8
Tsunami
5.4
Ice Storm
5.4
Drought
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Hurricane
4.2
Wildfire
3.5
Riverine Flooding
1.0

How it compares

Elkhorn
6.4
Wisconsin avg.
5.4
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 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: Elkhorn, Wisconsin

Elkhorn, in Walworth County, is a city of approximately 18,551 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 Elkhorn residents and property owners must navigate.

Elkhorn's overall natural disaster risk is rated 6.4/10 (High) by FEMA's National Risk Index. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Secondary hazards include cold wave and tornado.

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

Elkhorn'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 Elkhorn: 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 Elkhorn

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

Population

18,551

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 42.7Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 3.5/10

Coordinates

42.7099Β° N, 88.5303Β° W

Walworth 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 Elkhorn

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

ZIP Codes in Elkhorn

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.