🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 53923

Cambria, Wisconsin

6.0out of 10
High Risk

Risk Summary for ZIP 53923

ZIP 53923 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 53923
6.0
Wisconsin avg.
5.4
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 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 53923, Wisconsin

Located in the interior eastern United States, ZIP 53923 serves the Cambria community. The humid continental climate of this part of Wisconsin β€” bringing long, cold winters with lake-effect snow and warm summers β€” directly shapes the hazard exposure for properties in this postal area.

ZIP 53923's overall natural disaster risk is rated 6.0/10 (High) by FEMA's National Risk Index. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. Secondary hazards include cold wave and heat.

Relative to other U.S. communities, ZIP 53923'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 Wisconsin. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, ZIP 53923 residents benefit from taking preparedness seriously. Reviewing insurance coverage for hail and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for ZIP 53923: 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.

Risk for the surrounding area

Local Factors for ZIP 53923

These city-level factors differentiate ZIP 53923 from other communities in Wisconsin County and provide geographic context for its hazard exposure.

Population

2,295

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 43.6Β°

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: 4.9/10

Coordinates

43.5733Β° N, 89.1375Β° 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 53923

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

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.