🌍 ClimateRiskCheck

Natural Disaster Risk in Effingham

Kansas

5.2out of 10
Moderate Risk

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

Wildfire Ice Storm Hail

All 18 Hazard Scores

Wildfire
7.6
Ice Storm
6.8
Hail
6.7
Landslide
6.6
Drought
6.5
Extreme Heat
5.9
Tornado
5.6
Winter Weather
5.6
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Strong Wind
4.5
Avalanche
4.5
Lightning
4.3
Earthquake
3.5
Cold Wave
3.3
Hurricane
2.4
Riverine Flooding
1.0

How it compares

Effingham
5.2
Kansas avg.
5.2
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: 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 30–100 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 Town

Geographic 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

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ZIP Codes in Effingham

Other cities in Kansas

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.