Natural Disaster Risk in Bunker Hill
Illinois
Risk Summary for Bunker Hill
Bunker Hill scores 6.9/10 (High risk), above 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
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Bunker Hill, Illinois
Bunker Hill, in Macoupin County, is a town of roughly 3,669 residents 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 Bunker Hill residents and property owners must navigate.
According to FEMA's National Risk Index, Bunker Hill carries an overall risk score of 6.9/10, placing it in the high 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 heat and wind.
Within Illinois, Bunker Hill's risk is, slightly above the 5.8/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Macoupin County identifies earthquake as the foremost hazard, followed by heat and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Bunker Hill's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Bunker Hill: 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 — 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 Bunker Hill
These city-level factors differentiate Bunker Hill from other communities in Macoupin County and provide geographic context for its hazard exposure.
Population
3,669
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.0°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.1/10
Coordinates
39.0431° N, 89.9500° W
Macoupin 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 Bunker Hill
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Bunker Hill
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.