Natural hazards · Bath

Bath, IL natural hazards

Most of the natural-hazard damage FEMA expects in Bath comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 213 claims here since 1979.

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

Expected damage

How exposed is Bath?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bath to be higher than in 81% of U.S. communities, mostly from inland flooding.

Inland flooding58%Drought12%Cold waves9%Strong wind7%Tornadoes6%Everything else8%

By hazard

What Bath faces

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

Inland flooding

58% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once a year in the area

Drought

12% of expected damage

Recorded about 5 times a year in the area

Cold waves

9% of expected damage

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

Recorded about 4 times a year in the area

Strong wind

7% of expected damage

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

Recorded about 5 times a year in the area

Tornadoes

6% of expected damage

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

Recorded about once every 6 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Bath flood?

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

213paid claims since 1979

$2.5Mpaid to owners

0homes flooded more than once

19792026

Biggest named events

Mid-spring storms: 24 claims, $872K
Early winter storms: 3 claims, $6K
Midwest Flooding: 3 claims, $37K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Mason County.

Disasters that hit Bath

Federal disasters declared here

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

Brought FEMA money into BathDeclared for Mason County only

Mason County has had 16 natural disasters declared since 1953, most often floods and severe storms.

Around Bath

Bath and the towns around it

Very lowLowModerateHighVery high

Bathmostly inland floodingVery high

Kilbournemostly inland floodingVery high

Lynchburgmostly inland floodingVery high

Sangamon Valleymostly cold wavesHigh

Havanamostly inland floodingHigh

Hickorymostly inland floodingHigh

Chandlervillemostly cold wavesHigh

Kertonmostly inland floodingLow

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. Bath covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bath’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Bath. 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 Bath total about $3.0M 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.