🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 53951

North Freedom, Wisconsin

5.9out of 10
Moderate Risk

Risk Summary for ZIP 53951

ZIP 53951 scores 5.9/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Landslide Cold Wave

All 18 Hazard Scores

Hail
9.4
Landslide
8.9
Cold Wave
8.8
Tornado
8.1
Extreme Heat
7.2
Strong Wind
6.4
Lightning
5.9
Ice Storm
5.8
Tsunami
5.4
Winter Weather
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Drought
4.2
Hurricane
3.9
Wildfire
3.6
Earthquake
3.5
Riverine Flooding
1.0

How it compares

ZIP 53951
5.9
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: ZIP 53951, Wisconsin

ZIP 53951 in North Freedom 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 53951 carries an overall risk score of 5.9/10, placing it in the moderate 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 landslide and cold wave.

Within Wisconsin, ZIP 53951'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 landslide and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 53951 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 hail is recommended.

What this means for ZIP 53951: 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 53951

These city-level factors differentiate ZIP 53951 from other communities in Wisconsin County and provide geographic context for its hazard exposure.

Population

2,452

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 43.4Β°

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: 3.6/10

Coordinates

43.3909Β° N, 89.8663Β° 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 53951

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.