Natural Disaster Risk — ZIP Code 54121
Florence, Wisconsin
Risk Summary for ZIP 54121
ZIP 54121 scores 3.4/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Cold Wave.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 54121, Wisconsin
Located in the northern tier of the continental United States, ZIP 54121 serves the Florence 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 54121's overall natural disaster risk is rated 3.4/10 (Low) by FEMA's National Risk Index. Extreme cold snaps top the local risk profile, with Arctic front passages causing rapid and severe temperature drops that challenge both infrastructure and outdoor safety. Secondary hazards include tsunami and hail.
Relative to other U.S. communities, ZIP 54121's natural disaster risk is below the U.S. national average of 4.5/10, considerably below the 5.4/10 state average. The hazard distribution here is led by cold wave and tsunami, as measured by FEMA across Wisconsin. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Despite its lower-than-average risk classification, ZIP 54121 is not immune to natural hazards. Basic preparedness — an emergency kit, awareness of seasonal risks, and property insurance that covers cold wave — remains prudent for all residents.
What this means for ZIP 54121: Cold Wave preparedness
- Keep emergency heat and supplies ready in case of cold-related power outages.
- 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.
Risk for the surrounding area
Local Factors for ZIP 54121
These city-level factors differentiate ZIP 54121 from other communities in Wisconsin County and provide geographic context for its hazard exposure.
Population
3,257
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 45.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.0/10
Coordinates
45.8638° N, 88.3290° 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 54121
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.