Natural Disaster Risk in Scott County
Illinois
Risk Summary for Scott County
Scott County scores 3.8/10 (Low risk), below 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
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Scott County, Illinois
Situated in the United States, Scott County in Illinois experiences a humid continental climate marked by bitterly cold winters and hot, humid summers. A severe thunderstorm and tornado season each spring is a defining feature of the regional hazard profile that affects residents and property owners countywide.
Scott County's overall natural disaster risk is rated 3.8/10 (Low) by FEMA's National Risk Index. 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. Secondary hazards include landslide and tsunami.
Relative to other U.S. communities, Scott County's natural disaster risk is below the U.S. national average of 4.5/10, considerably below the 5.8/10 state average. The hazard distribution here is led by drought and landslide, as measured by FEMA across Scott County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Scott County carries a below-average natural disaster risk, reflecting fewer and less severe hazard exposures than typical U.S. communities. Even so, the area's primary risk — drought — warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.
What this means for Scott County: Drought preparedness
- 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.
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
Cities in Scott County
ZIP codes in Scott County
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.