🌍 ClimateRiskCheck

Natural Disaster Risk in Sublette

Illinois

5.4out of 10
Moderate Risk

Risk Summary for Sublette

Sublette scores 5.4/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.

Top Hazards

Strong Wind Drought Hail

All 18 Hazard Scores

Strong Wind
8.6
Drought
8.2
Hail
7.6
Tornado
7.4
Cold Wave
7.3
Earthquake
5.6
Tsunami
5.4
Ice Storm
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Landslide
4.5
Avalanche
4.5
Hurricane
4.4
Extreme Heat
4.1
Winter Weather
3.8
Lightning
3.8
Wildfire
2.1
Riverine Flooding
1.0

How it compares

Sublette
5.4
Illinois avg.
5.8
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 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: Sublette, Illinois

Sublette, in Lee County, is a small community of about 843 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 Sublette residents and property owners must navigate.

According to FEMA's National Risk Index, Sublette carries an overall risk score of 5.4/10, placing it in the moderate category. High-wind events from severe thunderstorms and derechos are the leading hazard, with damaging gusts capable of downing trees and causing widespread structural damage. The area also faces notable exposure to drought and hail.

Within Illinois, Sublette's risk is, near the 5.8/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Lee County identifies wind as the foremost hazard, followed by drought and hail. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Sublette's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that wind exposure is adequately protected is a worthwhile step for property owners.

What this means for Sublette: Strong Wind preparedness

  • Confirm your policy covers wind damage and keep an inventory of property for claims.
  • Inspect and reinforce roofing, siding, and garage doors, which are common failure points in high winds.
  • Secure or store outdoor furniture and loose objects that can become projectiles.

Local Factors for Sublette

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

Population

843

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 41.6Β°

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

41.6261Β° N, 89.2622Β° W

Lee 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 Sublette

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

ZIP Codes in Sublette

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.