Climate Risk Summary

Crest Hill, IL Risk Profile

The primary drivers of climate-related financial risk in Crest Hill, IL are Inland Flooding, Cold Wave, and Tornado. Based on recent federal data, homeowners in this market face an estimated average annual insurance premium of $1,418, with a local policy non-renewal rate of 1.3%.

City Risk Scorecard

Physical Resilience62/100

Based on FEMA EAL and hazard intensity.

Insurance Stability

Market Stable

Metrics indicate a balanced risk-to-premium environment with standard renewal rates.

Primary Risks

Inland Flooding

$2,404,625

Expected Annual Loss for Crest Hill

38.3Score

Relatively High compared to US average

Crest Hill

Minimal Estimated LossMax Estimated Loss

Cold Wave

$1,902,872

Expected Annual Loss for Crest Hill

90.3Score

Very High compared to US average

Crest Hill

Minimal Estimated LossMax Estimated Loss

Tornado

$1,517,066

Expected Annual Loss for Crest Hill

80.3Score

Very High compared to US average

Crest Hill

Minimal Estimated LossMax Estimated Loss

Spatial Analysis

FEMA Flood Zones

NRI Risk Index:

FEMA Flood Zones

FloodwayHighest Risk / Active Channel

High Risk (100-Year)1% Annual Chance Flood

Moderate Risk (500-Year)0.2% Annual Chance Flood

NRI Risk Index

Very Low

Low

Moderate

High

Very High

Extreme

Flood Plain Analysis

Localized Flood Dynamics in Crest Hill

FEMA Flood Maps for Crest Hill 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 High

Relative Vulnerability

$2,404,625

Annualized Property Exposure

Insurance Market Stability

Avg. Annual Premium

$1,418

Estimated baseline property insurance cost prior to localized disaster surcharges.

Non-Renewal Rate

1.3%

The percentage of homeowner policies canceled by insurers, a key indicator of market retreat.

Insurer Loss Ratio

58%

For every $1 collected in premium, insurers are paying out $0.58 in claims.

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$2,404,625

Score: 38.3

MAJOR DRIVER

Cold Wave

$1,902,872

Score: 90.3

MAJOR DRIVER

Tornado

$1,517,066

Score: 80.3

Heat Wave

$224,603

Score: 52.2

Earthquake

$173,417

Score: 49.5

Lightning

$40,046

Score: 39.2

Strong Wind

$17,261

Score: 19.6

Winter Weather

$15,708

Score: 53.5

Ice Storm

$12,602

Score: 31.5

Hail

$10,637

Score: 29.0

Drought

$1,139

Score: 56.6

Wildfire

$655

Score: 40.5

Hurricane

$264

Score: 16.9

Landslide

$33

Score: 48.5

Recommended Mitigation Strategies

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

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.3

🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 80.3

☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 52.2

🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 53.5

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 56.6

Sources and Methodology

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

FEMA National Flood Hazard LayerHigh-resolution vector data for 100-year and 500-year flood zones.
U.S. Department of the TreasuryFIO ZIP-code level insurance data (2018–2022 Historical Set).
FEMA National Risk IndexBaseline hazard frequency and economic loss data (v1.20.0).
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population Statistics.

Nearby Cities

Crystal Lawns Fairmont Joliet Lockport Plainfield

Zip Codes in Crest Hill

60403 60435 60441 60446