Natural hazards · Andalusia

Andalusia, IL natural hazards

Most of the natural-hazard damage FEMA expects in Andalusia comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 34 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Andalusia?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Andalusia to be higher than in 62% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding41%Cold waves23%Tornadoes15%Heat waves8%Everything else14%

By hazard

What Andalusia faces

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

Inland flooding

41% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 3 times a year in the area

Cold waves

23% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 27 years in the area

Heat waves

8% of expected damage

Below average · higher than 25% of U.S. places

Recorded about 7 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

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 Andalusia flood?

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

34paid claims since 1979

$430Kpaid to owners

8homes flooded more than once

19792026

Biggest named events

Mid-spring storms: 5 claims, $25K
Hurricane Ike: 1 claim, $11K
Midwest Flooding: 1 claim, $14K

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. Andalusia isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Rock Island County.

Disasters that hit Andalusia

5 federal disasters brought FEMA money here

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

Brought FEMA money into AndalusiaDeclared for Rock Island County only

2019

Severe Storms and Flooding

$70K to the Village of Andalusia for repairs

2013

Severe Storms, Straight-Line Winds, and Flooding

$33K to the Village of Andalusia for repairs

2011

Severe Winter Storm and Snowstorm

$3K to the Village of Andalusia for repairs

2008

Severe Storms and Flooding

13 households applied for aid $4K aid approved $41K to the Village of Andalusia for repairs

2001

Flooding

$24K to the Village of Andalusia for repairs

Rock Island County has had 13 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. Andalusia 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 Andalusia’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Andalusia. 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.

Andalusia, IL natural hazards

How exposed is Andalusia?

What Andalusia faces

Inland flooding

Cold waves

Tornadoes

Heat waves

Lower here

Not a risk here

Does Andalusia flood?

Biggest named events

Homes that flooded again and again

5 federal disasters brought FEMA money here

Severe Storms and Flooding

Severe Storms, Straight-Line Winds, and Flooding

Severe Winter Storm and Snowstorm

Severe Storms and Flooding

Flooding

How to read this page

Where to, neighbor?

Matches

Nearby