🌍 ClimateRiskCheck

Natural Disaster Risk in Harrisburg

Illinois

6.5out of 10
High Risk

Risk Summary for Harrisburg

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

Top Hazards

Earthquake Strong Wind Extreme Heat

All 18 Hazard Scores

Earthquake
9.5
Strong Wind
9.0
Extreme Heat
8.1
Winter Weather
8.0
Landslide
7.6
Ice Storm
7.6
Cold Wave
7.3
Tornado
7.2
Drought
7.1
Hurricane
6.2
Hail
6.1
Tsunami
5.4
Lightning
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
2.0
Riverine Flooding
1.0

How it compares

Harrisburg
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: Harrisburg, Illinois

Located in the interior eastern United States in Saline County, Harrisburg is a city of approximately 11,256 residents. The humid continental climate that characterizes this part of Illinois β€” marked by bitterly cold winters and hot, humid summers β€” directly influences the types and severity of natural hazards present, making Harrisburg a community where hazard awareness has real practical value.

FEMA rates Harrisburg's composite natural disaster risk at 6.5 out of 10 β€” high risk. Seismic activity is the dominant hazard, with the community situated in or near an active tectonic zone capable of producing damaging ground shaking. Residents should also account for wind and heat risk in their preparedness planning.

Relative to other U.S. communities, Harrisburg's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 5.8/10 state average. The hazard distribution here is led by earthquake and wind, as measured by FEMA across Saline County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

Harrisburg'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 Harrisburg: Earthquake preparedness

  • Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.
  • 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.

Local Factors for Harrisburg

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

Population

11,256

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 37.7Β°

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: 2.0/10

Coordinates

37.7028Β° N, 88.5289Β° W

Saline 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 Harrisburg

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Harrisburg

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.