🌍 ClimateRiskCheck

Natural Disaster Risk in Stevens Point

Wisconsin

5.5out of 10
Moderate Risk

Risk Summary for Stevens Point

Stevens Point scores 5.5/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Hail Lightning

All 18 Hazard Scores

Cold Wave
8.9
Hail
8.5
Lightning
7.7
Tornado
7.4
Strong Wind
7.0
Winter Weather
6.1
Landslide
5.6
Tsunami
5.4
Extreme Heat
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Ice Storm
4.5
Wildfire
4.1
Drought
2.8
Earthquake
2.7
Hurricane
2.4
Riverine Flooding
1.0

How it compares

Stevens Point
5.5
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: Stevens Point, Wisconsin

Located in the interior eastern United States in Portage County, Stevens Point is a city of approximately 28,242 residents. 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 Stevens Point a community where hazard awareness has real practical value.

FEMA rates Stevens Point's composite natural disaster risk at 5.5 out of 10 β€” moderate risk. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. Residents should also account for hail and lightning risk in their preparedness planning.

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

With a moderate risk rating, Stevens Point 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 Stevens Point: Cold Wave preparedness

  • 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.
  • Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.

Local Factors for Stevens Point

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

Population

28,242

Suburban

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: 4.1/10

Coordinates

44.5194Β° N, 89.6368Β° W

Portage 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 Stevens Point

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Stevens Point

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.