Natural hazards · Bernadotte

Bernadotte, IL natural hazards

Most of the natural-hazard damage FEMA expects in Bernadotte comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 31 claims here since 1983. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bernadotte?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bernadotte to be higher than in 25% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding38%Tornadoes15%Cold waves11%Earthquakes11%Hail9%Strong wind6%Everything else11%

By hazard

What Bernadotte faces

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

Inland flooding

38% of expected damage

Well below average · higher than 14% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

15% of expected damage

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

Recorded about once every 6 years in the area

Cold waves

11% of expected damage

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

Recorded about 5 times a year in the area

Earthquakes

11% of expected damage

Above average · higher than 73% of U.S. places

Hail

9% of expected damage

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

Recorded about 4 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Bernadotte flood?

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

31paid claims since 1983

$693Kpaid to owners

0homes flooded more than once

19832026

Biggest named events

Mid-spring storms: 6 claims, $289K
Midwest Flooding: 2 claims, $40K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Bernadotte 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 Bernadotte

3 federal disasters brought FEMA money here

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

Brought FEMA money into BernadotteDeclared for Fulton County only

2013

Severe Storms, Straight-Line Winds, and Flooding

$16K to the Township of Bernadotte for repairs

2011

Severe Winter Storm and Snowstorm

$6K to the Township of Bernadotte for repairs

1999

Il-Winter Storm 1/1/99

$2K to the Township of Bernadotte for repairs

Fulton County has had 18 natural disasters declared since 1953, most often floods and winter storms.

Around Bernadotte

Bernadotte and the towns around it

Very lowLowModerateHighVery high

Lewistownmostly inland floodingLow

Putmanmostly inland floodingLow

Bernadottemostly inland floodingLow

Farmersmostly inland floodingLow

Cassmostly inland floodingLow

Pleasantmostly 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. Bernadotte covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bernadotte’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Bernadotte. 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 Bernadotte total about $2.1M 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.