🌍 ClimateRiskCheck

Natural Disaster Risk in Onalaska

Wisconsin

6.1out of 10
High Risk

Risk Summary for Onalaska

Onalaska scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Hail Landslide

All 18 Hazard Scores

Cold Wave
9.7
Hail
9.6
Landslide
9.4
Extreme Heat
9.0
Tornado
8.6
Strong Wind
8.0
Winter Weather
7.2
Lightning
6.1
Tsunami
5.4
Ice Storm
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Drought
3.6
Earthquake
3.2
Hurricane
2.4
Wildfire
2.3
Riverine Flooding
1.0

How it compares

Onalaska
6.1
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: Onalaska, Wisconsin

Onalaska, in La Crosse County, is a city of approximately 25,304 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 Onalaska residents and property owners must navigate.

According to FEMA's National Risk Index, Onalaska carries an overall risk score of 6.1/10, placing it in the high 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 hail and landslide.

Within Wisconsin, Onalaska'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 La Crosse County identifies cold wave as the foremost hazard, followed by hail and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Onalaska 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 Onalaska: 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 Onalaska

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

Population

25,304

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 43.9Β°

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: 2.3/10

Coordinates

43.9099Β° N, 91.2242Β° W

La Crosse 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 Onalaska

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Onalaska

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.