Natural Disaster Risk in Iron Belt
Wisconsin
Risk Summary for Iron Belt
Iron Belt scores 3.9/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Coastal Flooding.
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: Iron Belt, Wisconsin
Iron Belt is a small unincorporated community in Iron County, in the northern tier of the continental 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 Iron Belt.
According to FEMA's National Risk Index, Iron Belt carries an overall risk score of 3.9/10, placing it in the low category. Coastal flood risk defines the local natural hazard environment, with sea-level rise trends gradually increasing the frequency of tidal flooding events alongside storm surge threats. The area also faces notable exposure to cold wave and winter.
Iron Belt's risk score, considerably below the 5.4/10 state average and below the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Iron County, the highest-scoring are coastal flood, cold wave, and winter. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Iron Belt carries a below-average natural disaster risk, reflecting fewer and less severe hazard exposures than typical U.S. communities. Even so, the area's primary risk — coastal flood — warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.
What this means for Iron Belt: Coastal Flooding preparedness
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
Local Factors for Iron Belt
These city-level factors differentiate Iron Belt from other communities in Iron County and provide geographic context for its hazard exposure.
Population
154
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 46.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.9/10
Coordinates
46.3360° N, 90.3449° W
Iron 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 Iron Belt
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Iron Belt
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.