Natural hazards · Avoca

Avoca, IL natural hazards

Most of the natural-hazard damage FEMA expects in Avoca comes from inland flooding, and overall the risk is very high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Avoca?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Avoca to be higher than in 82% of U.S. communities, mostly from inland flooding.

Inland flooding71%Cold waves14%Everything else16%

By hazard

What Avoca faces

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

Inland flooding

71% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once a year in the area

Cold waves

14% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Avoca flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Livingston County.

Disasters that hit Avoca

1 federal disaster brought FEMA money here

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

Brought FEMA money into AvocaDeclared for Livingston County only

1999

Il-Winter Storm 1/1/99

$2K to the Township of Avoca for repairs

Livingston County has had 9 natural disasters declared since 1953, most often winter storms and floods.

Around Avoca

Avoca and the towns around it

Very lowLowModerateHighVery high

Avocamostly inland floodingVery high

Owegomostly inland floodingVery high

Eppards Pointmostly inland floodingVery high

Sauneminmostly inland floodingHigh

Indian Grovemostly inland floodingHigh

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. Avoca 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 Avoca’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Avoca. 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.