Natural Disaster Risk — ZIP Code 54965

Natural Hazard Profile: ZIP 54965, Wisconsin

ZIP 54965 in Pine River 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 54965 carries an overall risk score of 5.3/10, placing it in the moderate category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to cold wave and wind.

Within Wisconsin, ZIP 54965'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 hail as the foremost hazard, followed by cold wave and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 54965 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hail is recommended.