Natural Disaster Risk — ZIP Code 53809
Fennimore, Wisconsin
Risk Summary for ZIP 53809
ZIP 53809 scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Landslide.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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 53809, Wisconsin
Located in the interior eastern United States, ZIP 53809 serves the Fennimore community. The humid continental climate of this part of Wisconsin — bringing long, cold winters with lake-effect snow and warm summers — directly shapes the hazard exposure for properties in this postal area.
ZIP 53809's overall natural disaster risk is rated 6.3/10 (High) by FEMA's National Risk Index. Slope instability and debris flows are the primary natural hazard, driven by a combination of local geology, precipitation intensity, and terrain that creates susceptibility to failure. Secondary hazards include hail and wind.
Relative to other U.S. communities, ZIP 53809'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 landslide and hail, as measured by FEMA across Wisconsin. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 53809'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 53809: Landslide preparedness
- Standard insurance generally excludes landslide and earth-movement damage — ask about specialized coverage.
- Have an evacuation plan ready during periods of intense or prolonged rainfall.
- Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
Risk for the surrounding area
Local Factors for ZIP 53809
These city-level factors differentiate ZIP 53809 from other communities in Wisconsin County and provide geographic context for its hazard exposure.
Population
4,748
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 43.0°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.7/10
Coordinates
42.9936° N, 90.6332° 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 53809
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 — consult official emergency management resources and a licensed insurer for property-specific advice.