Natural Disaster Risk in Stone Lake
Wisconsin
Risk Summary for Stone Lake
Stone Lake scores 4.9/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Cold Wave.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Stone Lake, Wisconsin
Located in the northern tier of the continental United States in Sawyer County, Stone Lake is a small community of about 1,712. The humid continental climate that characterizes this part of Wisconsin — marked by long, cold winters with lake-effect snow and warm summers — directly influences the types and severity of natural hazards present, making Stone Lake a community where hazard awareness has real practical value.
Stone Lake's overall natural disaster risk is rated 4.9/10 (Moderate) by FEMA's National Risk Index. 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. Secondary hazards include winter and wind.
Relative to other U.S. communities, Stone Lake's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.4/10 state average. The hazard distribution here is led by cold wave and winter, as measured by FEMA across Sawyer County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, Stone Lake residents are well-served by maintaining standard preparedness practices — 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 Stone Lake: 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 Stone Lake
These city-level factors differentiate Stone Lake from other communities in Sawyer County and provide geographic context for its hazard exposure.
Population
1,712
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 45.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.8/10
Coordinates
45.8281° N, 91.5144° W
Sawyer 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 Stone Lake
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Stone Lake
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.