Natural Disaster Risk in Effingham
Kansas
Risk Summary for Effingham
Effingham scores 5.2/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Wildfire.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Effingham, Kansas
Effingham, in Atchison County, is a small community of about 1,189 situated in the interior eastern United States. Its semi-arid continental climate brings hot summers, cold winters, and exposure at the heart of Tornado Alley, and in particular one of the most intense tornado seasons in the world, peaking in May and June. These conditions collectively define the natural hazard environment that Effingham residents and property owners must navigate.
Effingham's overall natural disaster risk is rated 5.2/10 (Moderate) by FEMA's National Risk Index. The threat of wildfire dominates the local risk environment, with hot, dry summers and abundant fuel creating dangerous fire conditions each year. Secondary hazards include ice storm and hail.
Within Kansas, Effingham's risk is, near the 5.2/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Atchison County identifies wildfire as the foremost hazard, followed by ice storm and hail. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Effingham 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 wildfire is recommended.
What this means for Effingham: Wildfire preparedness
- Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
- Create defensible space by clearing flammable vegetation within 30β100 feet of structures.
- Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.
Local Factors for Effingham
These city-level factors differentiate Effingham from other communities in Atchison County and provide geographic context for its hazard exposure.
Population
1,189
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.5Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 7.6/10
Coordinates
39.5138Β° N, 95.4000Β° W
Atchison 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 Effingham
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Effingham
Other cities in Kansas
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.