🌍 ClimateRiskCheck

Natural Disaster Risk in Lodi

Wisconsin

6.0out of 10
High Risk

Risk Summary for Lodi

Lodi scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Cold Wave Extreme Heat

All 18 Hazard Scores

Hail
9.9
Cold Wave
8.5
Extreme Heat
8.3
Tornado
7.9
Landslide
7.6
Strong Wind
7.5
Winter Weather
5.8
Tsunami
5.4
Volcanic Activity
5.1
Wildfire
4.9
Coastal Flooding
4.9
Drought
4.6
Ice Storm
4.6
Lightning
4.5
Avalanche
4.5
Hurricane
4.0
Earthquake
3.8
Riverine Flooding
1.0

How it compares

Lodi
6.0
Wisconsin avg.
5.4
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Lodi, Wisconsin

Lodi, in Columbia County, is a town of roughly 8,933 residents situated in the interior eastern 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 Lodi residents and property owners must navigate.

Lodi's overall natural disaster risk is rated 6.0/10 (High) by FEMA's National Risk Index. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Secondary hazards include cold wave and heat.

Within Wisconsin, Lodi's risk is, slightly above the 5.4/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Columbia County identifies hail as the foremost hazard, followed by cold wave and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Lodi residents benefit from taking preparedness seriously. Reviewing insurance coverage for hail and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Lodi: Hail preparedness

  • Document roof and property condition annually to streamline any future hail claims.
  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
  • Park vehicles under cover when severe storms are forecast to avoid costly hail damage.

Local Factors for Lodi

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

Population

8,933

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 43.3Β°

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: 4.9/10

Coordinates

43.3216Β° N, 89.5563Β° W

Columbia 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 Lodi

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Lodi

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.