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Wisconsin · Risk Readiness

What's actually likely where you live.

Before the emergency — maps, tools, and the honest picture of what Wisconsin throws at different parts of the state.

See WI hazards

WI hazard profile

Primary hazards. Ranked.

Wisconsin blizzards are serious. Lake-effect snow from Lake Superior piles 100+ inches annually in the far north. The February 2011 blizzard dropped 20 inches on Milwaukee in 24 hours. I-90, I-94, and US-51 close multiple times per winter. Wind chills of -30°F to -40°F during Arctic outbreaks are not unusual in northern Wisconsin. Wisconsin averages 23 tornadoes per year. The southern third of the state — from La Crosse to Milwaukee — sees the most activity. The August 2018 tornadoes caused widespread damage across Dane and Sauk counties. Spring season (April–June) is peak. Wisconsin tornadoes tend to be weaker than Plains tornadoes but can still be dangerous. The Mississippi, Wisconsin, Rock, and Fox rivers flood regularly. Madison's isthmus geography makes it flood-prone during heavy rain events. The June 2008 flooding caused over $750 million in damage statewide. Spring snowmelt combined with heavy rain is the most dangerous combination for river flooding.

Official tools

Look up your address. Know your risk.

Insurance gaps

What your homeowner's policy doesn't cover.

Standard homeowner's policies in Wisconsin exclude flood damage. Flood insurance through the NFIP has a 30-day waiting period — it cannot be purchased when a storm is forecast. Check your declarations page annually to confirm your coverage limits and deductibles.

Not in your standard policy

Flood damage — requires NFIP or private flood policy

Earthquake damage — requires separate endorsement

Sewer & drain backup — requires endorsement ($50–$100/yr)

Landslide / mudflow — generally excluded

Next steps

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During an emergency

Find alerts, contacts, and shelters.

NC emergency contacts, alert signups, and real-time information.

Local Emergency

Get prepared

Run through the WI checklist.

Step-by-step actions based on the hazards that apply to Wisconsin.

WI Checklists