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.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Crest Hill.

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

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

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 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 Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

Crystal LawnsFairmontJolietLockportPlainfield

Zip Codes in Crest Hill

60403604356044160446