Natural Disaster Risk — ZIP Code 54212

Natural Hazard Profile: ZIP 54212, Wisconsin

ZIP 54212 in Fish Creek sits in the Great Lakes region. 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 54212 carries an overall risk score of 4.9/10, placing it in the moderate category. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. The area also faces notable exposure to cold wave and hail.

Within Wisconsin, ZIP 54212's risk is, slightly below the 5.4/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Wisconsin identifies coastal flood as the foremost hazard, followed by cold wave and hail. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 54212's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that coastal flood exposure is adequately protected is a worthwhile step for property owners.