Natural hazards · Adams

Adams, IL natural hazards

Most of the natural-hazard damage FEMA expects in Adams comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 33 claims here since 1996.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Adams?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Adams to be higher than in 26% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves24%Tornadoes9%Drought6%Everything else12%

By hazard

What Adams faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

49% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 2 times a year in the area

Cold waves

24% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

9% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once every 19 years in the area

Drought

6% of expected damage

Recorded about 9 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Adams flood?

Every paid claim on a federal flood insurance policy in Adams, from FEMA’s records.

33paid claims since 1996

$1.2Mpaid to owners

0homes flooded more than once

19962026

Biggest named events

Hurricane Ike: 14 claims, $760K
Mid-spring storms: 5 claims, $176K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Adams isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: La Salle County.

Disasters that hit Adams

Federal disasters declared here

None of the disasters declared for La Salle County shows FEMA aid or repair money reaching Adams itself in FEMA’s records.

Brought FEMA money into AdamsDeclared for La Salle County only

La Salle County has had 18 natural disasters declared since 1953, most often floods and winter storms.

Around Adams

Adams and the towns around it

Very lowLowModerateHighVery high

Serenamostly inland floodingModerate

Adamsmostly inland floodingLow

Earlmostly inland floodingLow

Northvillemostly inland floodingLow

Victormostly inland floodingVery low

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Adams covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Adams’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Adams. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Adams total about $1.7M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.