Natural hazards · Bald Bluff

Bald Bluff, IL natural hazards

Most of the natural-hazard damage FEMA expects in Bald Bluff comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 42 claims here since 1993.

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

Expected damage

How exposed is Bald Bluff?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bald Bluff to be higher than in 88% of U.S. communities, mostly from inland flooding.

Inland flooding44%Drought12%Hail10%Strong wind10%Tornadoes8%Heat waves7%Everything else9%

By hazard

What Bald Bluff faces

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

Inland flooding

44% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 2 times a year in the area

Drought

12% of expected damage

Recorded about 8 times a year in the area

Hail

10% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 4 times a year in the area

Strong wind

10% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 13 years in the area

Heat waves

7% of expected damage

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

Recorded about 9 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold 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 Bald Bluff flood?

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

42paid claims since 1993

$1.1Mpaid to owners

0homes flooded more than once

19932026

Biggest named events

Mid-spring storms: 5 claims, $152K
Midwest Flooding: 2 claims, $36K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Henderson County.

Disasters that hit Bald Bluff

Federal disasters declared here

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

Brought FEMA money into Bald BluffDeclared for Henderson County only

Henderson County has had 14 natural disasters declared since 1953, most often floods and winter storms.

Around Bald Bluff

Bald Bluff and the towns around it

Very lowLowModerateHighVery high

Bald Bluffmostly inland floodingVery high

Oquawkamostly inland floodingVery high

Rozettamostly inland floodingVery high

Abingtonmostly inland floodingVery high

Keithsburgmostly inland floodingVery high

Sumnermostly droughtHigh

Ohio Grovemostly inland floodingModerate

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. Bald Bluff covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bald Bluff’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Bald Bluff. 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 Bald Bluff total about $1.3M 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.