Natural hazards · Capital

Capital, IL natural hazards

Most of the natural-hazard damage FEMA expects in Capital comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 51 claims here since 1979.

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

Expected damage

How exposed is Capital?

Moderate

vs. U.S. communities

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

Inland flooding38%Tornadoes18%Cold waves15%Earthquakes14%Heat waves8%Everything else6%

By hazard

What Capital 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

Below average · higher than 42% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 92% of U.S. places

Cold waves

15% of expected damage

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

Recorded about 3 times a year in the area

Earthquakes

14% of expected damage

Well above average · higher than 78% of U.S. places

Heat waves

8% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 8 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 Capital flood?

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

51paid claims since 1979

$615Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Juan: 1 claim, $10K
Midwest Flooding: 1 claim, $2K
Mid-spring storms: 1 claim, $34K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Capital 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 Capital

Federal disasters declared here

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

Brought FEMA money into CapitalDeclared for Sangamon County only

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

Around Capital

Capital and the towns around it

Very lowLowModerateHighVery high

Rochestermostly inland floodingModerate

Chathammostly inland floodingModerate

Ballmostly inland floodingModerate

Capitalmostly inland floodingModerate

Springfieldmostly inland floodingModerate

Woodsidemostly inland floodingModerate

Curranmostly inland floodingLow

Clear Lakemostly inland floodingLow

Fancy Creekmostly inland floodingLow

Gardnermostly inland floodingLow

Shermanmostly inland floodingLow

Springfieldmostly inland floodingLow

Southern Viewmostly 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. Capital covers 31 census tracts, combined by population.

Money that reached townFlood claims are matched to Capital’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Capital. 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 Capital total about $51.5M 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.