🌍 ClimateRiskCheck

Natural Disaster Risk in Sherrard

Illinois

4.9out of 10
Moderate Risk

Risk Summary for Sherrard

Sherrard scores 4.9/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Drought.

Top Hazards

Drought Ice Storm Landslide

All 18 Hazard Scores

Drought
7.5
Landslide
7.2
Ice Storm
7.2
Strong Wind
6.6
Lightning
6.3
Extreme Heat
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Cold Wave
4.2
Hurricane
4.1
Hail
3.8
Winter Weather
3.6
Earthquake
3.4
Tornado
3.2
Wildfire
1.3
Riverine Flooding
1.0

How it compares

Sherrard
4.9
Illinois avg.
5.8
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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: Sherrard, Illinois

Located in the interior eastern United States in Mercer County, Sherrard is a town of roughly 2,520 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 Sherrard a community where hazard awareness has real practical value.

Sherrard's overall natural disaster risk is rated 4.9/10 (Moderate) 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 ice storm and landslide.

Relative to other U.S. communities, Sherrard's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.8/10 state average. The hazard distribution here is led by drought and ice storm, as measured by FEMA across Mercer County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Sherrard residents are well-served by maintaining standard preparedness practices β€” 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 Sherrard: 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.

Local Factors for Sherrard

These city-level factors differentiate Sherrard from other communities in Mercer County and provide geographic context for its hazard exposure.

Population

2,520

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 41.3Β°

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

41.3009Β° N, 90.5199Β° W

Mercer 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 Sherrard

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Sherrard

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.