Natural Disaster Risk in Mattoon
Illinois
Risk Summary for Mattoon
Mattoon scores 6.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Drought.
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: Mattoon, Illinois
Mattoon, in Coles County, is a city of approximately 20,350 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 Mattoon residents and property owners must navigate.
According to FEMA's National Risk Index, Mattoon carries an overall risk score of 6.4/10, placing it in the high category. Drought is the leading natural hazard, with multi-year dry periods capable of depleting water supplies, devastating agriculture, and increasing wildfire risk across the region. The area also faces notable exposure to earthquake and winter.
Within Illinois, Mattoon's risk is, slightly above the 5.8/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Coles County identifies drought as the foremost hazard, followed by earthquake and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, Mattoon residents benefit from taking preparedness seriously. Reviewing insurance coverage for drought 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 Mattoon: Drought preparedness
- Follow local water-use restrictions, which may be enacted during severe drought conditions.
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
- Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
Local Factors for Mattoon
These city-level factors differentiate Mattoon from other communities in Coles County and provide geographic context for its hazard exposure.
Population
20,350
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.5Β°
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: 2.1/10
Coordinates
39.4800Β° N, 88.3757Β° W
Coles 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 Mattoon
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Mattoon
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.