🌍 ClimateRiskCheck

Natural Disaster Risk in Pepin

Wisconsin

3.9out of 10
Low Risk

Risk Summary for Pepin

Pepin scores 3.9/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Hail Tsunami

All 18 Hazard Scores

Landslide
7.7
Hail
5.6
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Strong Wind
4.5
Avalanche
4.5
Drought
4.3
Cold Wave
4.3
Tornado
4.0
Extreme Heat
3.3
Ice Storm
3.0
Winter Weather
2.5
Lightning
2.5
Hurricane
2.4
Wildfire
1.4
Earthquake
1.3
Riverine Flooding
1.0

How it compares

Pepin
3.9
Wisconsin avg.
5.4
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Below-average risk β€” standard coverage likely adequate

Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Pepin, Wisconsin

Located in the interior eastern United States in Pepin County, Pepin is a small community of about 1,392. 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 Pepin a community where hazard awareness has real practical value.

Pepin's overall natural disaster risk is rated 3.9/10 (Low) by FEMA's National Risk Index. Slope instability and debris flows are the primary natural hazard, driven by a combination of local geology, precipitation intensity, and terrain that creates susceptibility to failure. Secondary hazards include hail and tsunami.

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

Pepin carries a below-average natural disaster risk, reflecting fewer and less severe hazard exposures than typical U.S. communities. Even so, the area's primary risk β€” landslide β€” warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.

What this means for Pepin: Landslide preparedness

  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.
  • Have an evacuation plan ready during periods of intense or prolonged rainfall.
  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.

Local Factors for Pepin

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

Population

1,392

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 44.5Β°

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: 1.4/10

Coordinates

44.4894Β° N, 92.1232Β° W

Pepin 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 Pepin

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Pepin

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.