Natural Disaster Risk in Lac Du Flambeau
Wisconsin
Risk Summary for Lac Du Flambeau
Lac Du Flambeau scores 5.0/10 (Moderate risk), near 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
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: Lac Du Flambeau, Wisconsin
Lac Du Flambeau, in Vilas County, is a town of roughly 3,025 residents situated in the northern tier of the continental 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 Lac Du Flambeau residents and property owners must navigate.
Lac Du Flambeau's overall natural disaster risk is rated 5.0/10 (Moderate) by FEMA's National Risk Index. Cold wave events are the primary hazard risk, driven by periodic invasions of Arctic air that drive wind chills to life-threatening levels and stress heating systems. Secondary hazards include wind and winter.
Within Wisconsin, Lac Du Flambeau's risk is, slightly below the 5.4/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Vilas County identifies cold wave as the foremost hazard, followed by wind and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Lac Du Flambeau'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 cold wave exposure is adequately protected is a worthwhile step for property owners.
What this means for Lac Du Flambeau: Cold Wave preparedness
- 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.
- Keep emergency heat and supplies ready in case of cold-related power outages.
Local Factors for Lac Du Flambeau
These city-level factors differentiate Lac Du Flambeau from other communities in Vilas County and provide geographic context for its hazard exposure.
Population
3,025
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 46.0°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.2/10
Coordinates
45.9724° N, 89.9148° W
Vilas 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 Lac Du Flambeau
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Lac Du Flambeau
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.