Natural Disaster Risk — ZIP Code 62631
Concord, Illinois
Risk Summary for ZIP 62631
ZIP 62631 scores 6.4/10 (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 62631, Illinois
ZIP 62631 covers part of the Concord area, in the interior eastern United States. The surrounding region experiences bitterly cold winters and hot, humid summers, with a severe thunderstorm and tornado season each spring shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.
FEMA rates ZIP 62631's composite natural disaster risk at 6.4 out of 10 — high risk. Cold wave events are the primary hazard risk, driven by periodic invasions of Arctic air that drive wind chills to life-threatening levels and stress heating systems. Residents should also account for drought and wind risk in their preparedness planning.
ZIP 62631's risk score, slightly above the 5.8/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are cold wave, drought, and wind. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a high natural disaster risk rating, ZIP 62631 residents benefit from taking preparedness seriously. Reviewing insurance coverage for cold wave 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 62631: Cold Wave preparedness
- 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.
- Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
Risk for the surrounding area
Local Factors for ZIP 62631
These city-level factors differentiate ZIP 62631 from other communities in Illinois County and provide geographic context for its hazard exposure.
Population
228
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.4/10
Coordinates
39.8253° N, 90.3612° 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 62631
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.