Natural Disaster Risk — ZIP Code 61820
Champaign, Illinois
Risk Summary for ZIP 61820
ZIP 61820 scores 7.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: ZIP 61820, Illinois
ZIP 61820 in Champaign 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 61820 carries an overall risk score of 7.3/10, placing it in the high category. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. The area also faces notable exposure to drought and winter.
Within Illinois, ZIP 61820's risk is, slightly above the 5.8/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Illinois identifies cold wave as the foremost hazard, followed by drought and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
ZIP 61820'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 ZIP 61820: Cold Wave preparedness
- Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
- 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.
Risk for the surrounding area
Local Factors for ZIP 61820
These city-level factors differentiate ZIP 61820 from other communities in Illinois County and provide geographic context for its hazard exposure.
Population
40,599
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.7/10
Coordinates
40.1120° N, 88.2442° 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 61820
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.