🌍 ClimateRiskCheck

Natural Disaster Risk in Annapolis

Illinois

5.1out of 10
Moderate Risk

Risk Summary for Annapolis

Annapolis scores 5.1/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Earthquake.

Top Hazards

Earthquake Drought Extreme Heat

All 18 Hazard Scores

Earthquake
8.7
Drought
7.5
Extreme Heat
6.1
Landslide
5.5
Hail
5.4
Tsunami
5.4
Winter Weather
5.2
Tornado
5.1
Volcanic Activity
5.1
Hurricane
5.0
Coastal Flooding
4.9
Strong Wind
4.6
Avalanche
4.5
Ice Storm
4.4
Cold Wave
4.2
Lightning
3.2
Wildfire
1.4
Riverine Flooding
1.0

How it compares

Annapolis
5.1
Illinois avg.
5.8
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 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: Annapolis, Illinois

Annapolis, in Crawford County, is a small unincorporated community situated in the interior eastern United States. Its humid continental climate brings bitterly cold winters and hot, humid summers, and in particular a severe thunderstorm and tornado season each spring. These conditions collectively define the natural hazard environment that Annapolis residents and property owners must navigate.

According to FEMA's National Risk Index, Annapolis carries an overall risk score of 5.1/10, placing it in the moderate category. Seismic activity is the dominant hazard, with the community situated in or near an active tectonic zone capable of producing damaging ground shaking. The area also faces notable exposure to drought and heat.

Within Illinois, Annapolis's risk is, slightly below the 5.8/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Crawford County identifies earthquake as the foremost hazard, followed by drought and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Annapolis 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 earthquake is recommended.

What this means for Annapolis: Earthquake preparedness

  • Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
  • Standard homeowners insurance excludes earthquake damage β€” a separate earthquake policy or endorsement is needed.
  • Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.

Local Factors for Annapolis

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

Population

329

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.1Β°

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: 1.4/10

Coordinates

39.1408Β° N, 87.8401Β° W

Crawford County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Annapolis

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

ZIP Codes in Annapolis

Other cities in Illinois

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.