🌍 ClimateRiskCheck

Natural Disaster Risk in Carlinville

Illinois

6.9out of 10
High Risk

Risk Summary for Carlinville

Carlinville scores 6.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.

Top Hazards

Earthquake Extreme Heat Strong Wind

All 18 Hazard Scores

Earthquake
9.5
Extreme Heat
9.3
Strong Wind
9.2
Lightning
9.0
Hail
8.9
Cold Wave
8.8
Landslide
8.2
Tornado
8.1
Drought
7.1
Winter Weather
6.9
Ice Storm
5.5
Tsunami
5.4
Volcanic Activity
5.1
Hurricane
5.0
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
2.1
Riverine Flooding
1.0

How it compares

Carlinville
6.9
Illinois avg.
5.8
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” 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: Carlinville, Illinois

Located in the interior eastern United States in Macoupin County, Carlinville is a town of roughly 7,876 residents. The humid continental climate that characterizes this part of Illinois β€” marked by bitterly cold winters and hot, humid summers β€” directly influences the types and severity of natural hazards present, making Carlinville a community where hazard awareness has real practical value.

Carlinville's overall natural disaster risk is rated 6.9/10 (High) 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 heat and wind.

Relative to other U.S. communities, Carlinville's natural disaster risk is well above the U.S. national average of 4.5/10, slightly above the 5.8/10 state average. The hazard distribution here is led by earthquake and heat, as measured by FEMA across Macoupin County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

Carlinville'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 Carlinville: 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 β€” a separate earthquake policy or endorsement is needed.

Local Factors for Carlinville

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

Population

7,876

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.3Β°

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: 2.1/10

Coordinates

39.2846Β° N, 89.8836Β° 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 Carlinville

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Carlinville

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.