Natural Disaster Risk — ZIP Code 62047
Hardin, Illinois
Risk Summary for ZIP 62047
ZIP 62047 scores 3.9/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Landslide.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 62047, Illinois
Located in the interior eastern United States, ZIP 62047 serves the Hardin 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 62047's overall natural disaster risk is rated 3.9/10 (Low) by FEMA's National Risk Index. Slope instability and debris flows are the primary natural hazard, driven by a combination of local geology, precipitation intensity, and terrain that creates susceptibility to failure. Secondary hazards include heat and tsunami.
Relative to other U.S. communities, ZIP 62047's natural disaster risk is below the U.S. national average of 4.5/10, considerably below the 5.8/10 state average. The hazard distribution here is led by landslide and heat, as measured by FEMA across Illinois. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Despite its lower-than-average risk classification, ZIP 62047 is not immune to natural hazards. Basic preparedness — an emergency kit, awareness of seasonal risks, and property insurance that covers landslide — remains prudent for all residents.
What this means for ZIP 62047: Landslide preparedness
- Standard insurance generally excludes landslide and earth-movement damage — ask about specialized coverage.
- Have an evacuation plan ready during periods of intense or prolonged rainfall.
- Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
Risk for the surrounding area
Local Factors for ZIP 62047
These city-level factors differentiate ZIP 62047 from other communities in Illinois County and provide geographic context for its hazard exposure.
Population
1,548
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.3/10
Coordinates
39.1331° N, 90.6227° 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 62047
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.