Natural Disaster Risk — ZIP Code 62338
Fowler, Illinois
Risk Summary for ZIP 62338
ZIP 62338 scores 6.6/10 (High risk), above the U.S. average of 4.5. The leading hazard is Extreme Heat.
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 62338, Illinois
Located in the interior eastern United States, ZIP 62338 serves the Fowler 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 62338's overall natural disaster risk is rated 6.6/10 (High) by FEMA's National Risk Index. Heat wave risk stands out as the primary natural hazard here, with above-average summer temperatures amplified by urban heat island effects in developed areas. Secondary hazards include wind and drought.
Relative to other U.S. communities, ZIP 62338's natural disaster risk is well above the U.S. national average of 4.5/10, slightly above the 5.8/10 state average. The hazard distribution here is led by heat and wind, as measured by FEMA across Illinois. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, ZIP 62338 residents benefit from taking preparedness seriously. Reviewing insurance coverage for heat 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 62338: Extreme Heat preparedness
- Check on elderly neighbors and never leave children or pets in parked vehicles.
- Stay hydrated and limit outdoor activity during the hottest hours when heat advisories are issued.
- Ensure reliable air conditioning and identify nearby cooling centers for extreme heat days.
Risk for the surrounding area
Local Factors for ZIP 62338
These city-level factors differentiate ZIP 62338 from other communities in Illinois County and provide geographic context for its hazard exposure.
Population
1,075
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.0°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.7/10
Coordinates
39.9931° N, 91.2389° 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 62338
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.