Natural hazards · Alma

Alma, IL natural hazards

Most of the natural-hazard damage FEMA expects in Alma comes from earthquakes, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Alma?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Alma to be higher than in 57% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes39%Inland flooding31%Cold waves7%Strong wind7%Tornadoes7%Everything else10%

By hazard

What Alma faces

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

Earthquakes

39% of expected damage

Well above average · higher than 86% of U.S. places

Inland flooding

31% of expected damage

Below average · higher than 40% of U.S. places

Recorded about once a year in the area

Cold waves

7% of expected damage

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

Recorded about once a year in the area

Strong wind

7% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once every 8 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Alma flood?

FEMA's records show no paid flood insurance claims in Alma.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Marion County.

Disasters that hit Alma

Federal disasters declared here

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

Brought FEMA money into AlmaDeclared for Marion County only

Marion County has had 6 natural disasters declared since 1953, most often severe storms 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. Alma 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 Alma’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Alma. 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.