Natural hazards · Beaver

Beaver, IL natural hazards

Most of the natural-hazard damage FEMA expects in Beaver comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1979. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Beaver?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Beaver to be higher than in 77% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding58%Cold waves29%Tornadoes5%Everything else8%

By hazard

What Beaver 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 90% of U.S. places

Recorded about once a year in the area

Cold waves

29% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

5% of expected damage

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

Recorded about once every 7 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Beaver flood?

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

2paid claims since 1979

$28Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Iroquois County.

Disasters that hit Beaver

1 federal disaster brought FEMA money here

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

Brought FEMA money into BeaverDeclared for Iroquois County only

1999

Il-Winter Storm 1/1/99

$2K to the Township of Beaver for repairs

Iroquois County has had 7 natural disasters declared since 1953, most often severe storms and winter storms.

Around Beaver

Beaver and the towns around it

Very lowLowModerateHighVery high

Beavermostly inland floodingHigh

Beavervillemostly inland floodingHigh

Concordmostly inland floodingHigh

Martintonmostly inland floodingHigh

Washingtonmostly inland floodingLow

Beavermostly inland floodingVery low

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. Beaver covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Beaver’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Beaver. 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 Beaver total about $3.2M 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.