🌍 ClimateRiskCheck

Natural Disaster Risk in Winter

Wisconsin

4.9out of 10
Moderate Risk

Risk Summary for Winter

Winter scores 4.9/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Winter Weather Strong Wind

All 18 Hazard Scores

Cold Wave
9.8
Winter Weather
7.9
Strong Wind
7.0
Lightning
6.3
Hail
5.6
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Ice Storm
4.8
Avalanche
4.5
Drought
4.2
Extreme Heat
4.2
Tornado
3.9
Wildfire
2.8
Landslide
2.8
Hurricane
2.4
Earthquake
1.3
Riverine Flooding
1.0

How it compares

Winter
4.9
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: Winter, Wisconsin

Winter, in Sawyer County, is a small community of about 1,635 situated in the northern tier of the continental United States. 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 Winter residents and property owners must navigate.

According to FEMA's National Risk Index, Winter carries an overall risk score of 4.9/10, placing it in the moderate category. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. The area also faces notable exposure to winter and wind.

Within Wisconsin, Winter's risk is, slightly below the 5.4/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Sawyer County identifies cold wave as the foremost hazard, followed by winter and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Winter 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 Winter: Cold Wave preparedness

  • 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.
  • Keep emergency heat and supplies ready in case of cold-related power outages.

Local Factors for Winter

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

Population

1,635

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 45.8Β°

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: 2.8/10

Coordinates

45.8118Β° N, 90.8789Β° 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 Winter

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Winter

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.