Natural Disaster Risk — ZIP Code 61031
Franklin Grove, Illinois
Risk Summary for ZIP 61031
ZIP 61031 scores 5.4/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: ZIP 61031, Illinois
ZIP 61031 in Franklin Grove sits in the interior eastern United States. Its humid continental climate produces bitterly cold winters and hot, humid summers, and notably a severe thunderstorm and tornado season each spring. These conditions define the natural disaster environment for households across this ZIP code.
According to FEMA's National Risk Index, ZIP 61031 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, ZIP 61031'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 Illinois 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.
With a moderate risk rating, ZIP 61031 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for wind is recommended.
What this means for ZIP 61031: 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.
Risk for the surrounding area
Local Factors for ZIP 61031
These city-level factors differentiate ZIP 61031 from other communities in Illinois County and provide geographic context for its hazard exposure.
Population
1,492
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 41.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.1/10
Coordinates
41.8326° N, 89.3163° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 61031
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Illinois
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.