Natural Disaster Risk in Mount Carroll
Illinois
Risk Summary for Mount Carroll
Mount Carroll scores 5.4/10 (Moderate 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
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Mount Carroll, Illinois
Mount Carroll is a town of roughly 2,590 residents in Carroll County, in the interior eastern United States. The area experiences bitterly cold winters and hot, humid summers, with a severe thunderstorm and tornado season each spring shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Mount Carroll.
According to FEMA's National Risk Index, Mount Carroll carries an overall risk score of 5.4/10, placing it in the moderate category. Prolonged drought is the primary hazard risk, shaped by low annual rainfall, high evaporation rates, and increasing temperature trends that deepen and lengthen dry periods. The area also faces notable exposure to landslide and wind.
Mount Carroll's risk score, near the 5.8/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Carroll County, the highest-scoring are drought, landslide, and wind. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Mount Carroll residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for drought is recommended.
What this means for Mount Carroll: Drought preparedness
- 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.
- Follow local water-use restrictions, which may be enacted during severe drought conditions.
Local Factors for Mount Carroll
These city-level factors differentiate Mount Carroll from other communities in Carroll County and provide geographic context for its hazard exposure.
Population
2,590
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 42.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.4/10
Coordinates
42.1151° N, 89.9834° W
Carroll 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 Mount Carroll
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Mount Carroll
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.