Natural Disaster Risk in Sheboygan
Wisconsin
Risk Summary for Sheboygan
Sheboygan scores 5.9/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Sheboygan, Wisconsin
Sheboygan, in Sheboygan County, is a city of approximately 43,381 residents situated in the Great Lakes region. 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 Sheboygan residents and property owners must navigate.
According to FEMA's National Risk Index, Sheboygan carries an overall risk score of 5.9/10, placing it in the moderate category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to coastal flood and cold wave.
Within Wisconsin, Sheboygan'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 Sheboygan County identifies hail as the foremost hazard, followed by coastal flood and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Sheboygan's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that hail exposure is adequately protected is a worthwhile step for property owners.
What this means for Sheboygan: Hail preparedness
- Document roof and property condition annually to streamline any future hail claims.
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
- Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
Local Factors for Sheboygan
These city-level factors differentiate Sheboygan from other communities in Sheboygan County and provide geographic context for its hazard exposure.
Population
43,381
SuburbanGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Cool Continental
Latitude 43.7Β°
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
43.7134Β° N, 87.7373Β° W
Sheboygan 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 Sheboygan
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Sheboygan
Other cities in Wisconsin
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.