🌍 ClimateRiskCheck

Natural Disaster Risk in Lena

Wisconsin

5.5out of 10
Moderate Risk

Risk Summary for Lena

Lena scores 5.5/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Cold Wave Lightning

All 18 Hazard Scores

Coastal Flooding
9.1
Lightning
8.8
Cold Wave
8.8
Hail
7.7
Landslide
6.8
Tornado
6.5
Strong Wind
5.8
Tsunami
5.4
Volcanic Activity
5.1
Wildfire
4.6
Winter Weather
4.6
Avalanche
4.5
Ice Storm
4.3
Extreme Heat
3.8
Earthquake
2.4
Hurricane
2.4
Drought
2.4
Riverine Flooding
1.0

How it compares

Lena
5.5
Wisconsin avg.
5.4
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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: Lena, Wisconsin

Located in the interior eastern United States in Oconto County, Lena is a town of roughly 3,130 residents. The humid continental climate that characterizes this part of Wisconsin β€” marked by long, cold winters with lake-effect snow and warm summers β€” directly influences the types and severity of natural hazards present, making Lena a community where hazard awareness has real practical value.

FEMA rates Lena's composite natural disaster risk at 5.5 out of 10 β€” moderate risk. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. Residents should also account for cold wave and lightning risk in their preparedness planning.

Relative to other U.S. communities, Lena's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.4/10 state average. The hazard distribution here is led by coastal flood and cold wave, as measured by FEMA across Oconto County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

Lena'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 coastal flood exposure is adequately protected is a worthwhile step for property owners.

What this means for Lena: Coastal Flooding preparedness

  • 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.
  • Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.

Local Factors for Lena

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

Population

3,130

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 45.0Β°

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: 4.6/10

Coordinates

44.9539Β° N, 88.0715Β° W

Oconto 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 Lena

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Lena

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.