🌍 ClimateRiskCheck

Natural Disaster Risk in Minocqua

Wisconsin

4.8out of 10
Moderate Risk

Risk Summary for Minocqua

Minocqua scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Winter Weather Lightning

All 18 Hazard Scores

Cold Wave
9.5
Winter Weather
8.0
Lightning
7.9
Hail
5.8
Tsunami
5.4
Tornado
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Ice Storm
4.1
Strong Wind
3.9
Drought
3.8
Wildfire
3.6
Landslide
3.0
Extreme Heat
2.6
Hurricane
2.4
Earthquake
1.7
Riverine Flooding
1.0

How it compares

Minocqua
4.8
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: Minocqua, Wisconsin

Minocqua, in Oneida County, is a town of roughly 5,676 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 Minocqua residents and property owners must navigate.

According to FEMA's National Risk Index, Minocqua carries an overall risk score of 4.8/10, placing it in the moderate category. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. The area also faces notable exposure to winter and lightning.

Within Wisconsin, Minocqua'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 Oneida County identifies cold wave as the foremost hazard, followed by winter and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Minocqua 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 Minocqua: 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 Minocqua

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

Population

5,676

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 45.9Β°

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: 3.6/10

Coordinates

45.8622Β° N, 89.8266Β° W

Oneida 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 Minocqua

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Minocqua

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.