Natural hazards · Bement

Bement, IL natural hazards

Most of the natural-hazard damage FEMA expects in Bement comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 2008.

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

Expected damage

How exposed is Bement?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bement to be higher than in 71% of U.S. communities, mostly from inland flooding and drought.

Inland flooding42%Drought19%Cold waves13%Earthquakes8%Tornadoes8%Strong wind5%Everything else5%

By hazard

What Bement faces

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

Inland flooding

42% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once a year in the area

Drought

19% of expected damage

Recorded about 2 times a year in the area

Cold waves

13% of expected damage

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

Recorded about 4 times a year in the area

Earthquakes

8% of expected damage

Well above average · higher than 79% of U.S. places

Tornadoes

8% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 8 years in the area

Strong wind

5% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

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 Bement flood?

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

2paid claims since 2008

$5Kpaid to owners

0homes flooded more than once

20082026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Piatt County.

Disasters that hit Bement

Federal disasters declared here

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

Brought FEMA money into BementDeclared for Piatt County only

Piatt County has had 7 natural disasters declared since 1953, most often ice storms and tornadoes.

Around Bement

Bement and the towns around it

Very lowLowModerateHighVery high

Bementmostly inland floodingHigh

Unitymostly inland floodingHigh

Monticellomostly inland floodingHigh

Cerro Gordomostly inland floodingModerate

Sadorusmostly inland floodingModerate

Willow Branchmostly 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. Bement covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bement’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Bement. 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 Bement total about $2.3M 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.