🌍 ClimateRiskCheck

Natural Disaster Risk in Williams Bay

Wisconsin

6.4out of 10
High Risk

Risk Summary for Williams Bay

Williams Bay scores 6.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Cold Wave Tornado

All 18 Hazard Scores

Hail
9.5
Tornado
9.0
Cold Wave
9.0
Strong Wind
8.3
Lightning
7.8
Extreme Heat
7.7
Landslide
7.0
Winter Weather
5.9
Earthquake
5.8
Tsunami
5.4
Ice Storm
5.4
Drought
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Hurricane
4.2
Wildfire
3.5
Riverine Flooding
1.0

How it compares

Williams Bay
6.4
Wisconsin avg.
5.4
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

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

Natural Hazard Profile: Williams Bay, Wisconsin

Located in the interior eastern United States in Walworth County, Williams Bay is a town of roughly 3,261 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 Williams Bay a community where hazard awareness has real practical value.

FEMA rates Williams Bay's composite natural disaster risk at 6.4 out of 10 β€” high risk. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. Residents should also account for cold wave and tornado risk in their preparedness planning.

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

Williams Bay's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Williams Bay: Hail preparedness

  • 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.
  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.

Local Factors for Williams Bay

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

Population

3,261

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 42.6Β°

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: 3.5/10

Coordinates

42.5776Β° N, 88.5457Β° W

Walworth 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 Williams Bay

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Williams Bay

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.