🌍 ClimateRiskCheck

Natural Disaster Risk in Granite City

Illinois

7.4out of 10
High Risk

Risk Summary for Granite City

Granite City scores 7.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Extreme Heat Tornado

All 18 Hazard Scores

Tornado
9.8
Hail
9.8
Extreme Heat
9.8
Earthquake
9.7
Cold Wave
9.6
Lightning
9.4
Winter Weather
9.2
Landslide
8.7
Ice Storm
7.9
Drought
6.8
Strong Wind
6.6
Hurricane
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
2.5
Riverine Flooding
1.0

How it compares

Granite City
7.4
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: Granite City, Illinois

Granite City, in Madison County, is a city of approximately 40,404 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 Granite City residents and property owners must navigate.

Granite City's overall natural disaster risk is rated 7.4/10 (High) by FEMA's National Risk Index. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Secondary hazards include heat and tornado.

Within Illinois, Granite City'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 Madison County identifies hail 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, Granite City 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 Granite City: 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 Granite City

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

Population

40,404

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.7Β°

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: 2.5/10

Coordinates

38.7159Β° N, 90.1008Β° 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 Granite City

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Granite City

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.