Natural Disaster Risk in Whitelaw
Wisconsin
Risk Summary for Whitelaw
Whitelaw 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: Whitelaw, Wisconsin
Whitelaw is a town of roughly 2,558 residents in Manitowoc County, in the Great Lakes region. 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 Whitelaw.
FEMA rates Whitelaw's composite natural disaster risk at 5.9 out of 10 β moderate risk. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Residents should also account for coastal flood and cold wave risk in their preparedness planning.
Whitelaw's risk score, slightly above 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 Manitowoc County, the highest-scoring are hail, coastal flood, and cold wave. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Whitelaw 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 hail is recommended.
What this means for Whitelaw: Hail preparedness
- 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.
- Document roof and property condition annually to streamline any future hail claims.
Local Factors for Whitelaw
These city-level factors differentiate Whitelaw from other communities in Manitowoc County and provide geographic context for its hazard exposure.
Population
2,558
Small TownGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Cool Continental
Latitude 44.2Β°
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: 2.9/10
Coordinates
44.1969Β° N, 87.7856Β° W
Manitowoc 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 Whitelaw
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Whitelaw
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.