Natural Disaster Risk in Glen Carbon
Illinois
Risk Summary for Glen Carbon
Glen Carbon scores 7.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: Glen Carbon, Illinois
Glen Carbon is a city of approximately 14,870 residents in Madison 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 Glen Carbon.
According to FEMA's National Risk Index, Glen Carbon carries an overall risk score of 7.4/10, 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 heat and tornado.
Glen Carbon's risk score, considerably above the 5.8/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Madison County, the highest-scoring are hail, heat, 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, Glen Carbon 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 Glen Carbon: 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 Glen Carbon
These city-level factors differentiate Glen Carbon from other communities in Madison County and provide geographic context for its hazard exposure.
Population
14,870
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 38.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.5/10
Coordinates
38.7564° N, 89.9690° W
Madison 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 Glen Carbon
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Glen Carbon
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.