Natural Disaster Risk in Highland Park
Illinois
Risk Summary for Highland Park
Highland Park scores 7.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.
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: Highland Park, Illinois
Located in the Great Lakes region in Lake County, Highland Park is a city of approximately 30,398 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 Highland Park a community where hazard awareness has real practical value.
FEMA rates Highland Park's composite natural disaster risk at 7.3 out of 10 β high risk. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. Residents should also account for wind and tornado risk in their preparedness planning.
Relative to other U.S. communities, Highland Park's natural disaster risk is well 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 cold wave and wind, as measured by FEMA across Lake County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, Highland Park residents benefit from taking preparedness seriously. Reviewing insurance coverage for cold wave 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 Highland Park: Cold Wave preparedness
- Keep emergency heat and supplies ready in case of cold-related power outages.
- Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
- Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
Local Factors for Highland Park
These city-level factors differentiate Highland Park from other communities in Lake County and provide geographic context for its hazard exposure.
Population
30,398
SuburbanGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Cool Continental
Latitude 42.2Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 5.2/10
Coordinates
42.1836Β° N, 87.8106Β° W
Lake 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 Highland Park
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Highland Park
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.