🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 54135

Keshena, Wisconsin

3.6out of 10
Low Risk

Risk Summary for ZIP 54135

ZIP 54135 scores 3.6/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Cold Wave Tsunami

All 18 Hazard Scores

Lightning
7.9
Cold Wave
7.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Tornado
3.1
Hail
3.1
Ice Storm
3.0
Strong Wind
2.9
Extreme Heat
2.6
Hurricane
2.4
Winter Weather
2.0
Drought
1.7
Landslide
1.7
Wildfire
1.5
Earthquake
1.4
Riverine Flooding
1.0

How it compares

ZIP 54135
3.6
Wisconsin avg.
5.4
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Below-average risk β€” 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 54135, Wisconsin

ZIP 54135 covers part of the Keshena area, in the interior eastern United States. The surrounding region experiences long, cold winters with lake-effect snow and warm summers, with severe blizzards and spring tornado outbreaks shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.

FEMA rates ZIP 54135's composite natural disaster risk at 3.6 out of 10 β€” low risk. High lightning activity is the primary natural hazard concern, driven by frequent severe thunderstorm development that produces dense ground strike patterns across the area. Residents should also account for cold wave and tsunami risk in their preparedness planning.

ZIP 54135's risk score, considerably below the 5.4/10 state average and below the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are lightning, cold wave, and tsunami. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

ZIP 54135 carries a below-average natural disaster risk, reflecting fewer and less severe hazard exposures than typical U.S. communities. Even so, the area's primary risk β€” lightning β€” warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.

What this means for ZIP 54135: Lightning preparedness

  • Install whole-home surge protection to shield electronics from strike-related power surges.
  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
  • Avoid plumbing and corded electronics during active thunderstorms.

Risk for the surrounding area

Local Factors for ZIP 54135

These city-level factors differentiate ZIP 54135 from other communities in Wisconsin County and provide geographic context for its hazard exposure.

Population

3,018

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 44.9Β°

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: 1.5/10

Coordinates

44.9147Β° N, 88.6121Β° 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 54135

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.