Natural Disaster Risk — ZIP Code 62438

Lakewood, Illinois

5.9out of 10

Moderate Risk

Risk Summary for ZIP 62438

Average natural disaster risk for the United States. Standard homeowners insurance typically covers common hazards here.

Top Hazards

Drought Cold Wave Earthquake

All 18 Hazard Scores

Drought

9.4

Cold Wave

8.5

Earthquake

8.1

Lightning

7.6

Landslide

6.8

Extreme Heat

6.2

Hurricane

6.0

Winter Weather

5.9

Hail

5.6

Tsunami

5.4

Volcanic Activity

5.1

Strong Wind

4.9

Coastal Flooding

4.9

Tornado

4.7

Avalanche

4.5

Ice Storm

3.8

Wildfire

2.3

Riverine Flooding

1.0

How it compares

ZIP 62438

5.9

Illinois avg.

5.8

US national avg.

4.5

Live Conditions

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🏠 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.

Other cities in Illinois

Chicago8.0/10 Cicero8.0/10 Waukegan7.3/10 Berwyn8.0/10 Round Lake7.3/10 Des Plaines8.0/10 Aurora6.9/10 Oak Lawn8.0/10

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.