Natural hazards · Benton

Benton, IL natural hazards

Most of the natural-hazard damage FEMA expects in Benton comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1990. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Benton?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Benton to be higher than in 72% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes33%Inland flooding29%Cold waves16%Tornadoes9%Heat waves6%Everything else8%

By hazard

What Benton faces

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

Earthquakes

33% of expected damage

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

Inland flooding

29% of expected damage

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

Recorded about 4 times a year in the area

Cold waves

16% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about once a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 31 years in the area

Heat waves

6% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 10 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 Benton flood?

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

2paid claims since 1990

$5Kpaid to owners

1homes flooded more than once

19902026

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. Benton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Franklin County.

Disasters that hit Benton

1 federal disaster brought FEMA money here

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

Brought FEMA money into BentonDeclared for Franklin County only

2011

Severe Storms and Flooding

26 households applied for aid $68K aid approved

Franklin County has had 8 natural disasters declared since 1953, most often severe storms and hurricanes.

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. Benton 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 Benton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Benton. 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.