🌍 ClimateRiskCheck

Natural Disaster Risk in Fillmore

Illinois

6.5out of 10
High Risk

Risk Summary for Fillmore

Fillmore scores 6.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.

Top Hazards

Earthquake Strong Wind Drought

All 18 Hazard Scores

Earthquake
9.2
Strong Wind
8.6
Drought
8.2
Extreme Heat
8.2
Hail
7.8
Cold Wave
7.8
Tornado
7.5
Landslide
7.4
Lightning
6.2
Hurricane
6.1
Winter Weather
6.0
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Ice Storm
4.8
Avalanche
4.5
Wildfire
2.4
Riverine Flooding
1.0

How it compares

Fillmore
6.5
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: Fillmore, Illinois

Fillmore, in Montgomery County, is a small community of about 765 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 Fillmore residents and property owners must navigate.

According to FEMA's National Risk Index, Fillmore carries an overall risk score of 6.5/10, placing it in the high 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 wind and drought.

Within Illinois, Fillmore'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 Montgomery County identifies earthquake as the foremost hazard, followed by wind and drought. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Fillmore residents benefit from taking preparedness seriously. Reviewing insurance coverage for earthquake 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 Fillmore: 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 β€” 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 Fillmore

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

Population

765

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.1Β°

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: 2.4/10

Coordinates

39.1158Β° N, 89.2883Β° W

Montgomery 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 Fillmore

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Fillmore

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.