Natural Disaster Risk — ZIP Code 61084
Stillman Valley, Illinois
Risk Summary for ZIP 61084
ZIP 61084 scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hail.
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 61084, Illinois
Located in the interior eastern United States, ZIP 61084 serves the Stillman Valley community. The humid continental climate of this part of Illinois — bringing bitterly cold winters and hot, humid summers — directly shapes the hazard exposure for properties in this postal area.
ZIP 61084's overall natural disaster risk is rated 5.8/10 (Moderate) by FEMA's National Risk Index. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. Secondary hazards include cold wave and tornado.
Relative to other U.S. communities, ZIP 61084's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.8/10 state average. The hazard distribution here is led by hail and cold wave, as measured by FEMA across Illinois. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, ZIP 61084 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 hail is recommended.
What this means for ZIP 61084: Hail preparedness
- Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
- Document roof and property condition annually to streamline any future hail claims.
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
Risk for the surrounding area
Local Factors for ZIP 61084
These city-level factors differentiate ZIP 61084 from other communities in Illinois County and provide geographic context for its hazard exposure.
Population
3,201
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 42.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.2/10
Coordinates
42.1184° N, 89.1887° 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 61084
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.