Natural Disaster Risk — ZIP Code 54534
Hurley, Wisconsin
Risk Summary for ZIP 54534
ZIP 54534 scores 3.9/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Coastal Flooding.
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 54534, Wisconsin
ZIP 54534 covers part of the Hurley area, in the northern tier of the continental 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 54534's composite natural disaster risk at 3.9 out of 10 — low risk. The risk of coastal inundation tops the local hazard profile, with the area exposed to storm surge, tidal flooding, and wave action during major coastal storm events. Residents should also account for cold wave and winter risk in their preparedness planning.
ZIP 54534'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 coastal flood, cold wave, and winter. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Despite its lower-than-average risk classification, ZIP 54534 is not immune to natural hazards. Basic preparedness — an emergency kit, awareness of seasonal risks, and property insurance that covers coastal flood — remains prudent for all residents.
What this means for ZIP 54534: Coastal Flooding preparedness
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
Risk for the surrounding area
Local Factors for ZIP 54534
These city-level factors differentiate ZIP 54534 from other communities in Wisconsin County and provide geographic context for its hazard exposure.
Population
2,393
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 46.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.9/10
Coordinates
46.3545° N, 90.2377° 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 54534
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.