Natural Disaster Risk in Fence
Wisconsin
Risk Summary for Fence
Fence scores 3.4/10 (Low risk), below 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
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Fence, Wisconsin
Located in the northern tier of the continental United States in Florence County, Fence is a small unincorporated community. 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 Fence a community where hazard awareness has real practical value.
Fence's overall natural disaster risk is rated 3.4/10 (Low) 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 tsunami and hail.
Relative to other U.S. communities, Fence's natural disaster risk is below the U.S. national average of 4.5/10, considerably below the 5.4/10 state average. The hazard distribution here is led by cold wave and tsunami, as measured by FEMA across Florence County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Despite its lower-than-average risk classification, Fence is not immune to natural hazards. Basic preparedness — an emergency kit, awareness of seasonal risks, and property insurance that covers cold wave — remains prudent for all residents.
What this means for Fence: 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 Fence
These city-level factors differentiate Fence from other communities in Florence County and provide geographic context for its hazard exposure.
Population
213
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 45.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.0/10
Coordinates
45.7589° N, 88.4909° W
Florence 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 Fence
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Fence
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.