Natural Disaster Risk in Hilbert

Natural Hazard Profile: Hilbert, Wisconsin

Hilbert is a town of roughly 3,222 residents in Calumet 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 Hilbert.

According to FEMA's National Risk Index, Hilbert carries an overall risk score of 4.7/10, placing it in the moderate category. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. The area also faces notable exposure to cold wave and tornado.

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

Hilbert's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that hail exposure is adequately protected is a worthwhile step for property owners.