🌍 ClimateRiskCheck

Natural Disaster Risk in Union

Illinois

6.7out of 10
High Risk

Risk Summary for Union

Union scores 6.7/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Tornado Strong Wind

All 18 Hazard Scores

Tornado
9.7
Cold Wave
9.7
Strong Wind
8.7
Hail
8.2
Winter Weather
8.2
Extreme Heat
7.9
Earthquake
7.8
Lightning
7.7
Drought
6.4
Ice Storm
6.3
Landslide
6.2
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
4.0
Hurricane
4.0
Riverine Flooding
1.0

How it compares

Union
6.7
Illinois avg.
5.8
US national avg.
4.5

Live Conditions

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🏠 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: Union, Illinois

Union is a small community of about 1,831 in McHenry 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 Union.

According to FEMA's National Risk Index, Union carries an overall risk score of 6.7/10, placing it in the high category. Extreme cold snaps top the local risk profile, with Arctic front passages causing rapid and severe temperature drops that challenge both infrastructure and outdoor safety. The area also faces notable exposure to tornado and wind.

Union's risk score, slightly above the 5.8/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for McHenry County, the highest-scoring are cold wave, tornado, and wind. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Union's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Union: Cold Wave preparedness

  • Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
  • Keep emergency heat and supplies ready in case of cold-related power outages.
  • Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.

Local Factors for Union

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

Population

1,831

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 42.2Β°

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: 4.0/10

Coordinates

42.2234Β° N, 88.5202Β° W

McHenry 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 Union

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Union

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.