Natural hazards · Banner

Banner, IL natural hazards

Most of the natural-hazard damage FEMA expects in Banner comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 15 claims here since 1979. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Banner?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Banner to be higher than in 32% of U.S. communities, mostly from inland flooding.

Inland flooding50%Tornadoes13%Cold waves9%Earthquakes8%Hail6%Everything else13%

By hazard

What Banner faces

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

Inland flooding

50% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 7 years in the area

Cold waves

9% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 5 times a year in the area

Earthquakes

8% of expected damage

Above average · higher than 74% of U.S. places

Hail

6% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Banner flood?

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

15paid claims since 1979

$92Kpaid to owners

1homes flooded more than once

19792026

Biggest named events

Mid-spring storms: 1 claim, $5K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Fulton County.

Disasters that hit Banner

2 federal disasters brought FEMA money here

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

Brought FEMA money into BannerDeclared for Fulton County only

2013

Severe Storms, Straight-Line Winds, and Flooding

6 households applied for aid $6K aid approved $16K to the Village of Banner for repairs

2002

Severe Storms, Tornadoes and Flooding

$5K to the Village of Banner for repairs

Fulton County has had 18 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. Banner 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 Banner’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Banner. 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.