Natural Disaster Risk in Henderson
Illinois
Risk Summary for Henderson
Henderson scores 6.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Henderson, Illinois
Located in the interior eastern United States in Knox County, Henderson is a small unincorporated community. 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 Henderson a community where hazard awareness has real practical value.
FEMA rates Henderson's composite natural disaster risk at 6.5 out of 10 β high risk. High-wind events from severe thunderstorms and derechos are the leading hazard, with damaging gusts capable of downing trees and causing widespread structural damage. Residents should also account for hail and heat risk in their preparedness planning.
Relative to other U.S. communities, Henderson'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 wind and hail, as measured by FEMA across Knox County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, Henderson residents benefit from taking preparedness seriously. Reviewing insurance coverage for wind 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 Henderson: Strong Wind preparedness
- Secure or store outdoor furniture and loose objects that can become projectiles.
- Confirm your policy covers wind damage and keep an inventory of property for claims.
- Inspect and reinforce roofing, siding, and garage doors, which are common failure points in high winds.
Local Factors for Henderson
These city-level factors differentiate Henderson from other communities in Knox County and provide geographic context for its hazard exposure.
Population
299
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 41.0Β°
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: 1.3/10
Coordinates
41.0292Β° N, 90.3502Β° W
Knox 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 Henderson
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Henderson
Other cities in Illinois
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.