🌍 ClimateRiskCheck

Natural Disaster Risk in Eleroy

Illinois

6.3out of 10
High Risk

Risk Summary for Eleroy

Eleroy scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Strong Wind Tornado

All 18 Hazard Scores

Hail
9.4
Strong Wind
8.7
Tornado
8.4
Drought
8.3
Cold Wave
8.3
Ice Storm
7.5
Extreme Heat
6.9
Earthquake
6.3
Landslide
5.8
Lightning
5.4
Tsunami
5.4
Winter Weather
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Hurricane
4.3
Wildfire
3.6
Riverine Flooding
1.0

How it compares

Eleroy
6.3
Illinois avg.
5.8
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 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: Eleroy, Illinois

Eleroy is a small unincorporated community in Stephenson County, in the interior eastern United States. The area experiences bitterly cold winters and hot, humid summers, with a severe thunderstorm and tornado season each spring shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Eleroy.

According to FEMA's National Risk Index, Eleroy carries an overall risk score of 6.3/10, placing it in the high category. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. The area also faces notable exposure to wind and tornado.

Eleroy's risk score, slightly above the 5.8/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Stephenson County, the highest-scoring are hail, wind, and tornado. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, Eleroy residents benefit from taking preparedness seriously. Reviewing insurance coverage for hail 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 Eleroy: Hail preparedness

  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
  • Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
  • Document roof and property condition annually to streamline any future hail claims.

Local Factors for Eleroy

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

Population

33

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 42.3Β°

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: 3.6/10

Coordinates

42.3333Β° N, 89.7555Β° W

Stephenson 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 Eleroy

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

ZIP Codes in Eleroy

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.