Natural hazards · Caledonia

Caledonia, IL natural hazards

Most of the natural-hazard damage FEMA expects in Caledonia comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2019. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Caledonia?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Caledonia to be higher than in 30% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes20%Cold waves17%Everything else15%

By hazard

What Caledonia faces

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

Inland flooding

47% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once a year in the area

Tornadoes

20% of expected damage

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

Recorded about once every 66 years in the area

Cold waves

17% 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 Caledonia flood?

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

1paid claims since 2019

$2Kpaid to owners

0homes flooded more than once

20192026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Caledonia 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 Caledonia

1 federal disaster brought FEMA money here

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

Brought FEMA money into CaledoniaDeclared for Boone County only

2006

Snow

$5K to the Township of Caledonia for repairs

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

Around Caledonia

Caledonia and the towns around it

Very lowLowModerateHighVery high

Harlemmostly inland floodingHigh

Belvideremostly inland floodingModerate

Caledoniamostly inland floodingLow

Poplar Grovemostly inland floodingLow

Manchestermostly 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. Caledonia covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Caledonia’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Caledonia. 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 Caledonia total about $4.1M 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.