Effingham County, IL
Composite Insurance Risk Score: 65.9 / 100 (National rank: #571)
Axis Scores
Climate Safety
37.4
Insurance Affordability
75.0
Housing Affordability
76.9
Community Resilience
93.9
Social Resilience
78.7
Housing Stability
70.9
Key Metrics
| Annual Insurance Premium (state avg) | $1,600 |
| Insurance Burden (% of income) | 1.99% |
| Price-to-Income Ratio | 2.36 |
| FEMA Risk Score (0-100) | 62.4 |
Data Sources: FEMA National Risk Index (Public Domain), U.S. Census Bureau ACS 5-Year Estimates (CC0), Triple-I / NAIC public citations. Scores are percentile ranks across all valid U.S. counties (0-100).