Natural Disaster Risk — ZIP Code 62639

Natural Hazard Profile: ZIP 62639, Illinois

ZIP 62639 in Frederick 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 62639 carries an overall risk score of 4.9/10, placing it in the moderate category. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. The area also faces notable exposure to cold wave and drought.

Within Illinois, ZIP 62639's risk is, slightly below the 5.8/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Illinois identifies landslide as the foremost hazard, followed by cold wave and drought. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 62639's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that landslide exposure is adequately protected is a worthwhile step for property owners.