🌍 ClimateRiskCheck

Natural Disaster Risk in Medford

Wisconsin

4.5out of 10
Moderate Risk

Risk Summary for Medford

Medford scores 4.5/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Lightning Hail

All 18 Hazard Scores

Cold Wave
8.3
Lightning
7.6
Hail
5.6
Tornado
5.5
Tsunami
5.4
Ice Storm
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Winter Weather
4.3
Extreme Heat
4.0
Strong Wind
3.8
Drought
2.9
Wildfire
2.5
Hurricane
2.4
Landslide
2.0
Earthquake
1.6
Riverine Flooding
1.0

How it compares

Medford
4.5
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: Medford, Wisconsin

Located in the northern tier of the continental United States in Taylor County, Medford is a city of approximately 11,198 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 Medford a community where hazard awareness has real practical value.

FEMA rates Medford's composite natural disaster risk at 4.5 out of 10 β€” moderate risk. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. Residents should also account for lightning and hail risk in their preparedness planning.

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

With a moderate risk rating, Medford residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for cold wave is recommended.

What this means for Medford: Cold Wave preparedness

  • Keep emergency heat and supplies ready in case of cold-related power outages.
  • 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.

Local Factors for Medford

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

Population

11,198

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 45.2Β°

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: 2.5/10

Coordinates

45.1913Β° N, 90.4017Β° W

Taylor 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 Medford

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Medford

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.