🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 53555

Lodi, Wisconsin

6.0out of 10
High Risk

Risk Summary for ZIP 53555

ZIP 53555 scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Cold Wave Extreme Heat

All 18 Hazard Scores

Hail
9.9
Cold Wave
8.5
Extreme Heat
8.3
Tornado
7.9
Landslide
7.6
Strong Wind
7.5
Winter Weather
5.8
Tsunami
5.4
Volcanic Activity
5.1
Wildfire
4.9
Coastal Flooding
4.9
Drought
4.6
Ice Storm
4.6
Lightning
4.5
Avalanche
4.5
Hurricane
4.0
Earthquake
3.8
Riverine Flooding
1.0

How it compares

ZIP 53555
6.0
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: ZIP 53555, Wisconsin

ZIP 53555 in Lodi sits in the interior eastern United States. Its humid continental climate produces long, cold winters with lake-effect snow and warm summers, and notably severe blizzards and spring tornado outbreaks. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 53555 carries an overall risk score of 6.0/10, placing it in the high category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to cold wave and heat.

Within Wisconsin, ZIP 53555's risk is, slightly above the 5.4/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Wisconsin identifies hail as the foremost hazard, followed by cold wave and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 53555'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 ZIP 53555: Hail preparedness

  • 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.
  • Park vehicles under cover when severe storms are forecast to avoid costly hail damage.

Risk for the surrounding area

Local Factors for ZIP 53555

These city-level factors differentiate ZIP 53555 from other communities in Wisconsin County and provide geographic context for its hazard exposure.

Population

8,933

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 43.3Β°

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: 4.9/10

Coordinates

43.3216Β° N, 89.5563Β° W

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for ZIP 53555

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in Wisconsin

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only β€” consult official emergency management resources and a licensed insurer for property-specific advice.