🌍 ClimateRiskCheck

Natural Disaster Risk in Chambersburg

Illinois

5.4out of 10
Moderate Risk

Risk Summary for Chambersburg

Chambersburg scores 5.4/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Drought.

Top Hazards

Drought Landslide Extreme Heat

All 18 Hazard Scores

Drought
8.4
Landslide
8.4
Extreme Heat
8.0
Cold Wave
6.6
Strong Wind
6.5
Lightning
5.7
Hail
5.6
Earthquake
5.4
Tsunami
5.4
Volcanic Activity
5.1
Hurricane
5.0
Coastal Flooding
4.9
Avalanche
4.5
Tornado
4.1
Winter Weather
3.5
Ice Storm
3.3
Wildfire
1.3
Riverine Flooding
1.0

How it compares

Chambersburg
5.4
Illinois avg.
5.8
US national avg.
4.5

Live Conditions

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🏠 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: Chambersburg, Illinois

Chambersburg, in Pike 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 Chambersburg residents and property owners must navigate.

According to FEMA's National Risk Index, Chambersburg carries an overall risk score of 5.4/10, placing it in the moderate category. Drought is the leading natural hazard, with multi-year dry periods capable of depleting water supplies, devastating agriculture, and increasing wildfire risk across the region. The area also faces notable exposure to landslide and heat.

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

With a moderate risk rating, Chambersburg 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 drought is recommended.

What this means for Chambersburg: Drought preparedness

  • Follow local water-use restrictions, which may be enacted during severe drought conditions.
  • Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
  • Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.

Local Factors for Chambersburg

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

Population

198

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.8Β°

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: 1.3/10

Coordinates

39.8131Β° N, 90.6861Β° W

Pike 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 Chambersburg

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Chambersburg

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.