Natural Disaster Risk in Bellmont
Illinois
Risk Summary for Bellmont
Bellmont scores 4.6/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Earthquake.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Bellmont, Illinois
Located in the interior eastern United States in Wabash County, Bellmont is a small unincorporated community. The humid continental climate that characterizes this part of Illinois — marked by bitterly cold winters and hot, humid summers — directly influences the types and severity of natural hazards present, making Bellmont a community where hazard awareness has real practical value.
Bellmont's overall natural disaster risk is rated 4.6/10 (Moderate) by FEMA's National Risk Index. Earthquake risk stands out in the local hazard profile, driven by proximity to fault systems with a history of significant ground movement. Secondary hazards include drought and heat.
Relative to other U.S. communities, Bellmont's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.8/10 state average. The hazard distribution here is led by earthquake and drought, as measured by FEMA across Wabash County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, Bellmont 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 earthquake is recommended.
What this means for Bellmont: Earthquake preparedness
- Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.
- 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 — a separate earthquake policy or endorsement is needed.
Local Factors for Bellmont
These city-level factors differentiate Bellmont from other communities in Wabash County and provide geographic context for its hazard exposure.
Population
224
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 38.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.3/10
Coordinates
38.3874° N, 87.9036° W
Wabash 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 Bellmont
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Bellmont
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.