Natural hazards · Bourbon

Bourbon, IL natural hazards

Most of the natural-hazard damage FEMA expects in Bourbon comes from inland flooding, and overall the risk is very high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Bourbon?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bourbon to be higher than in 85% of U.S. communities, mostly from inland flooding and hail.

Inland flooding42%Hail25%Cold waves8%Strong wind6%Earthquakes6%Drought5%Everything else8%

By hazard

What Bourbon 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 84% of U.S. places

Recorded about once a year in the area

Hail

25% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 3 times a year in the area

Cold waves

8% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 3 times a year in the area

Strong wind

6% of expected damage

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

Recorded about 4 times a year in the area

Earthquakes

6% of expected damage

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

Drought

5% of expected damage

Recorded about 2 times a year in the area

Lower here

HurricanesIce 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 Bourbon flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Douglas County.

Disasters that hit Bourbon

1 federal disaster brought FEMA money here

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

Brought FEMA money into BourbonDeclared for Douglas County only

2008

Severe Storms and Flooding

$227K to the Township of Bourbon for repairs

Douglas County has had 11 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Bourbon

Bourbon and the towns around it

Very lowLowModerateHighVery high

Bourbonmostly inland floodingVery high

Garrettmostly inland floodingVery high

Arcolamostly inland floodingHigh

North Okawmostly inland floodingHigh

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