Climate Risk Atlas/IL/Unincorporated/61940

Unincorporated, IL (61940) Flooding & Climate Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, IL (61940) are Inland Flooding, Drought, and Earthquake. This area also faces an unusually high intensity for Strong Wind compared to national averages.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Zip Code Risk Map

Flood Plain Analysis

Localized Flood Dynamics in 61940

FEMA Flood Maps for 61940 identify the "100-year" and "500-year" floodplains (1% and 0.2% annual chance), but modern climate risk analysis suggests that nearly 25% of flood insurance claims originate from properties outside of these designated high-risk zones.

Use the map above to better understand risk by looking at both the FEMA flood plain maps and FEMA Risk Inventory maps by census tract. Standard FEMA maps may not account for 'flash flooding' from intense rain events.
FEMA Designation vs. Reality
Relatively Moderate
Relative Vulnerability
$416,969
Annualized Property Exposure

Primary Risks

Inland Flooding

$416,969

Expected Annual Loss for Zip Code 61940

56.9Score

Relatively Moderate compared to US average

Drought

$342,462

Expected Annual Loss for Zip Code 61940

98.8Score

Relatively High compared to US average

Earthquake

$154,946

Expected Annual Loss for Zip Code 61940

81.8Score

Relatively Moderate compared to US average

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$416,969
Score: 56.9
MAJOR DRIVER
Drought
$342,462
Score: 98.8
MAJOR DRIVER
Earthquake
$154,946
Score: 81.8
Cold Wave
$80,473
Score: 73.3
Tornado
$77,598
Score: 63.2
UNUSUALLY HIGH
Strong Wind
$57,225
Score: 89.6
Heat Wave
$34,174
Score: 61.7
Hail
$24,653
Score: 79.6
Hurricane
$5,948
Score: 51.9
Winter Weather
$4,995
Score: 77.0
Lightning
$4,880
Score: 38.9
Ice Storm
$2,937
Score: 49.2
Wildfire
$94
Score: 44.7
Landslide
$5
Score: 59.0

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 56.9
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.8
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 81.8
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 89.6

Methodology and Sources

Spatial Climate Risk Modeling

The Expected Annual Loss (EAL) and hazard risk scores are derived from the FEMA NRI zip code dataset using a population-weighted spatial join. Because Zip Codes and Census Tracts do not share perfectly aligned boundaries, we utilize US Census Block Group population centroids to identify where residents actually live.

Financial & Insurance Metrics

The pysical resilence score is calculated by synthesizing Expected Annual Loss (EAL) against the total building replacement value within a jurisdiction. This creates a "Loss Ratio" that measures physical resilience. We supplement this with ZIP-code level data from the U.S. Treasury's Federal Insurance Office (FIO), monitoring trends in premium growth, loss ratios, and policy non-renewals to identify emerging "Insurance Deserts."

Primary Data Sources

Nearby Locations

Zip Code 61944