🌍 ClimateRiskCheck

Natural Disaster Risk in Middleton

Wisconsin

7.6out of 10
High Risk

Risk Summary for Middleton

Middleton scores 7.6/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Hail Tornado

All 18 Hazard Scores

Hail
9.9
Cold Wave
9.9
Tornado
9.8
Extreme Heat
9.6
Winter Weather
9.4
Strong Wind
9.3
Lightning
9.2
Landslide
9.1
Ice Storm
8.6
Earthquake
7.4
Wildfire
6.5
Tsunami
5.4
Hurricane
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Drought
4.7
Avalanche
4.5
Riverine Flooding
1.0

How it compares

Middleton
7.6
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: Middleton, Wisconsin

Located in the interior eastern United States in Dane County, Middleton is a city of approximately 29,790 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 Middleton a community where hazard awareness has real practical value.

FEMA rates Middleton's composite natural disaster risk at 7.6 out of 10 β€” high 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 hail and tornado risk in their preparedness planning.

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

With a high natural disaster risk rating, Middleton residents benefit from taking preparedness seriously. Reviewing insurance coverage for cold wave 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 Middleton: 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 Middleton

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

Population

29,790

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 43.1Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.5/10

Coordinates

43.1159Β° N, 89.5419Β° W

Dane 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 Middleton

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Middleton

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.