Natural hazards · Albany

Albany, IL natural hazards

Most of the natural-hazard damage FEMA expects in Albany comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 35 claims here since 1979. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Albany?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Albany to be higher than in 54% of U.S. communities, mostly from inland flooding.

Inland flooding54%Tornadoes13%Cold waves10%Drought9%Strong wind6%Everything else9%

By hazard

What Albany faces

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

Inland flooding

54% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 13 years in the area

Cold waves

10% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 6 times a year in the area

Drought

9% of expected damage

Recorded about 12 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Albany flood?

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

35paid claims since 1979

$367Kpaid to owners

4homes flooded more than once

19792026

Biggest named events

Midwest Flooding: 9 claims, $101K
Mid-spring storms: 3 claims, $48K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Whiteside County.

Disasters that hit Albany

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Albany itself: aid to households, or repair grants to the Village of Albany.

Brought FEMA money into AlbanyDeclared for Whiteside County only

2011

Severe Winter Storm and Snowstorm

$2K to the Village of Albany for repairs

2008

Severe Storms and Flooding

2 households applied for aid $6K aid approved

2001

Flooding

$36K to the Village of Albany for repairs

Whiteside County has had 12 natural disasters declared since 1953, most often floods and winter storms.

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. Albany is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.