Natural Disaster Risk in Cave In Rock
Illinois
Risk Summary for Cave In Rock
Cave In Rock scores 4.3/10 (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: Cave In Rock, Illinois
Cave In Rock, in Hardin County, is a small community of about 819 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 Cave In Rock residents and property owners must navigate.
According to FEMA's National Risk Index, Cave In Rock carries an overall risk score of 4.3/10, 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 tsunami and drought.
Within Illinois, Cave In Rock's risk is, slightly below the 5.8/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Hardin County identifies earthquake as the foremost hazard, followed by tsunami and drought. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Cave In Rock 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 Cave In Rock: 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 Cave In Rock
These city-level factors differentiate Cave In Rock from other communities in Hardin County and provide geographic context for its hazard exposure.
Population
819
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 37.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.7/10
Coordinates
37.5206° N, 88.1465° W
Hardin 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 Cave In Rock
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Cave In Rock
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.