Loyal, Wisconsin is a small town located in Clark County, in the central part of the state. The climate in Loyal is characterized by cold winters and warm summers, typical of a humid continental climate. The average temperature in winter ranges from around 10°F (-12°C) to 25°F (-4°C), while summers see temperatures ranging from the mid-60s°F (around 18°C) to the mid-80s°F (around 30°C). Precipitation is fairly evenly distributed throughout the year, with an annual average of around 32 inches (81 cm).

The hydrology of Loyal primarily consists of several lakes and rivers, including Long Lake, Maple Works Flowage, and the Black River. These water bodies provide opportunities for fishing, boating, and other water sports. The area is also surrounded by forests and natural reserves, making it a great destination for hiking, camping, and wildlife watching. There are several outdoor recreation opportunities, such as hunting, ATV riding, and snowmobiling, with trails available for enthusiasts.

Overall, Loyal, Wisconsin's diverse climate, abundant water resources, and natural surroundings offer a range of outdoor activities and recreational opportunities for locals and visitors alike.