🌍 ClimateRiskCheck

Natural Disaster Risk in Owen

Wisconsin

5.6out of 10
Moderate Risk

Risk Summary for Owen

Owen scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Hail Strong Wind

All 18 Hazard Scores

Cold Wave
9.3
Hail
8.7
Strong Wind
7.7
Tornado
7.5
Lightning
7.5
Extreme Heat
6.4
Winter Weather
6.3
Ice Storm
6.2
Tsunami
5.4
Landslide
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Drought
3.4
Wildfire
3.0
Earthquake
2.5
Hurricane
2.4
Riverine Flooding
1.0

How it compares

Owen
5.6
Wisconsin avg.
5.4
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 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: Owen, Wisconsin

Owen is a town of roughly 2,620 residents in Clark County, in the interior eastern United States. The area experiences long, cold winters with lake-effect snow and warm summers, with severe blizzards and spring tornado outbreaks shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Owen.

According to FEMA's National Risk Index, Owen carries an overall risk score of 5.6/10, placing it in the moderate category. Extreme cold snaps top the local risk profile, with Arctic front passages causing rapid and severe temperature drops that challenge both infrastructure and outdoor safety. The area also faces notable exposure to hail and wind.

Owen's risk score, near the 5.4/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Clark County, the highest-scoring are cold wave, hail, and wind. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Owen 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 Owen: Cold Wave preparedness

  • 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.
  • Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.

Local Factors for Owen

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

Population

2,620

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 44.9Β°

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: 3.0/10

Coordinates

44.9470Β° N, 90.5373Β° W

Clark 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 Owen

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

ZIP Codes in Owen

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.