🌍 ClimateRiskCheck

Natural Disaster Risk in Chatham

Illinois

7.6out of 10
High Risk

Risk Summary for Chatham

Chatham scores 7.6/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Extreme Heat Tornado

All 18 Hazard Scores

Tornado
9.7
Extreme Heat
9.7
Cold Wave
9.7
Hail
9.6
Drought
9.6
Earthquake
9.5
Winter Weather
9.2
Lightning
9.0
Strong Wind
8.8
Ice Storm
8.4
Landslide
6.8
Hurricane
6.1
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
2.9
Riverine Flooding
1.0

How it compares

Chatham
7.6
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: Chatham, Illinois

Chatham, in Sangamon County, is a city of approximately 15,413 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 Chatham residents and property owners must navigate.

According to FEMA's National Risk Index, Chatham carries an overall risk score of 7.6/10, placing it in the high category. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. The area also faces notable exposure to heat and tornado.

Within Illinois, Chatham's risk is, considerably 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 Sangamon County identifies cold wave as the foremost hazard, followed by heat and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Chatham residents benefit from taking preparedness seriously. Reviewing insurance coverage for cold wave and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Chatham: Cold Wave preparedness

  • Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
  • Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
  • Keep emergency heat and supplies ready in case of cold-related power outages.

Local Factors for Chatham

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

Population

15,413

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.7Β°

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: 2.9/10

Coordinates

39.6786Β° N, 89.7198Β° W

Sangamon 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 Chatham

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Chatham

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.