🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 54950

Marion, Wisconsin

5.8out of 10
Moderate Risk

Risk Summary for ZIP 54950

ZIP 54950 scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Hail Lightning

All 18 Hazard Scores

Cold Wave
9.3
Hail
9.0
Lightning
8.2
Tornado
8.0
Strong Wind
7.0
Landslide
6.7
Winter Weather
6.6
Extreme Heat
6.1
Tsunami
5.4
Ice Storm
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Wildfire
4.8
Avalanche
4.5
Earthquake
2.9
Drought
2.7
Hurricane
2.4
Riverine Flooding
1.0

How it compares

ZIP 54950
5.8
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 54950, Wisconsin

ZIP 54950 in Marion 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 54950 carries an overall risk score of 5.8/10, placing it in the moderate category. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. The area also faces notable exposure to hail and lightning.

Within Wisconsin, ZIP 54950's risk is, near 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 cold wave as the foremost hazard, followed by hail and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 54950 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 cold wave is recommended.

What this means for ZIP 54950: Cold Wave preparedness

  • 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.
  • Keep emergency heat and supplies ready in case of cold-related power outages.

Risk for the surrounding area

Local Factors for ZIP 54950

These city-level factors differentiate ZIP 54950 from other communities in Wisconsin County and provide geographic context for its hazard exposure.

Population

2,802

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 44.7Β°

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: 4.8/10

Coordinates

44.6541Β° N, 88.9061Β° 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 54950

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.