Natural hazards · Bonus

Bonus, IL natural hazards

Most of the natural-hazard damage FEMA expects in Bonus comes from inland flooding, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bonus?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bonus to be higher than in 40% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding55%Tornadoes17%Cold waves14%Everything else14%

By hazard

What Bonus faces

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

Inland flooding

55% of expected damage

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

Recorded about once a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 29 years in the area

Cold waves

14% of expected damage

Below average · higher than 30% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Bonus flood?

FEMA's records show no paid flood insurance claims in Bonus.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Boone County.

Disasters that hit Bonus

3 federal disasters brought FEMA money here

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

Brought FEMA money into BonusDeclared for Boone County only

2008

Record Snow and Near Record Snow

$6K to the Township of Bonus for repairs

2006

Snow

$6K to the Township of Bonus for repairs

2000

Illinois Winter Snow Storms

$5K to the Township of Bonus for repairs

Boone County has had 9 natural disasters declared since 1953, most often winter storms and floods.

Around Bonus

Bonus and the towns around it

Very lowLowModerateHighVery high

Belvideremostly inland floodingModerate

Bonusmostly inland floodingModerate

Marengomostly inland floodingModerate

Springmostly 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. Bonus covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bonus’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Bonus. 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 Bonus total about $2.5M 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.