Natural hazards · Buffalo Hart

Buffalo Hart, IL natural hazards

Most of the natural-hazard damage FEMA expects in Buffalo Hart comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Buffalo Hart?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Buffalo Hart to be higher than in 44% of U.S. communities, mostly from inland flooding.

Inland flooding37%Tornadoes15%Drought14%Earthquakes12%Cold waves10%Everything else13%

By hazard

What Buffalo Hart faces

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

Inland flooding

37% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 6 years in the area

Drought

14% of expected damage

Recorded about 4 times a year in the area

Earthquakes

12% of expected damage

Well above average · higher than 80% of U.S. places

Cold waves

10% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightning

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 Buffalo Hart flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Sangamon County.

Disasters that hit Buffalo Hart

Federal disasters declared here

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

Brought FEMA money into Buffalo HartDeclared for Sangamon County only

Sangamon County has had 10 natural disasters declared since 1953, most often severe storms and winter storms.

Around Buffalo Hart

Buffalo Hart and the towns around it

Very lowLowModerateHighVery high

Elkhartmostly inland floodingModerate

Mount Pulaskimostly inland floodingModerate

Buffalo Hartmostly inland floodingModerate

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