🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 62288

Steeleville, Illinois

6.8out of 10
High Risk

Risk Summary for ZIP 62288

ZIP 62288 scores 6.8/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.

Top Hazards

Earthquake Strong Wind Extreme Heat

All 18 Hazard Scores

Earthquake
9.6
Strong Wind
9.5
Extreme Heat
9.1
Landslide
8.7
Winter Weather
8.6
Hail
8.4
Tornado
8.3
Cold Wave
7.9
Hurricane
6.3
Drought
6.3
Lightning
5.9
Ice Storm
5.8
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
1.8
Riverine Flooding
1.0

How it compares

ZIP 62288
6.8
Illinois avg.
5.8
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” 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 62288, Illinois

ZIP 62288 in Steeleville 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 62288 carries an overall risk score of 6.8/10, placing it in the high category. Seismic activity is the dominant hazard, with the community situated in or near an active tectonic zone capable of producing damaging ground shaking. The area also faces notable exposure to wind and heat.

Within Illinois, ZIP 62288'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 earthquake as the foremost hazard, followed by wind and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, ZIP 62288 residents benefit from taking preparedness seriously. Reviewing insurance coverage for earthquake and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for ZIP 62288: Earthquake preparedness

  • Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
  • Standard homeowners insurance excludes earthquake damage β€” a separate earthquake policy or endorsement is needed.
  • Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.

Risk for the surrounding area

Local Factors for ZIP 62288

These city-level factors differentiate ZIP 62288 from other communities in Illinois County and provide geographic context for its hazard exposure.

Population

2,820

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 1.8/10

Coordinates

37.9927Β° N, 89.6911Β° 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 62288

Last 12 months Β· Source: Open-Meteo archive

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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 β€” consult official emergency management resources and a licensed insurer for property-specific advice.