🌍 ClimateRiskCheck

Natural Disaster Risk in Farmington

Illinois

6.4out of 10
High Risk

Risk Summary for Farmington

Farmington scores 6.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Landslide Earthquake

All 18 Hazard Scores

Hail
8.9
Landslide
8.3
Earthquake
8.1
Strong Wind
8.0
Extreme Heat
8.0
Cold Wave
8.0
Ice Storm
7.8
Tornado
7.7
Drought
7.0
Winter Weather
5.8
Tsunami
5.4
Volcanic Activity
5.1
Lightning
5.0
Hurricane
4.9
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
1.7
Riverine Flooding
1.0

How it compares

Farmington
6.4
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: Farmington, Illinois

Farmington, in Fulton County, is a town of roughly 3,007 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 Farmington residents and property owners must navigate.

According to FEMA's National Risk Index, Farmington carries an overall risk score of 6.4/10, placing it in the high category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to landslide and earthquake.

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

Farmington'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 Farmington: Hail preparedness

  • Document roof and property condition annually to streamline any future hail claims.
  • 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.

Local Factors for Farmington

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

Population

3,007

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 40.7Β°

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: 1.7/10

Coordinates

40.6829Β° N, 90.0348Β° W

Fulton 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 Farmington

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Farmington

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.