Natural hazards · Carbon Cliff

Carbon Cliff, IL natural hazards

Most of the natural-hazard damage FEMA expects in Carbon Cliff comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 66 claims here since 1979. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Carbon Cliff?

Moderate

vs. U.S. communities

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

Inland flooding34%Cold waves27%Tornadoes15%Heat waves10%Strong wind5%Everything else9%

By hazard

What Carbon Cliff faces

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

Inland flooding

34% of expected damage

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

Recorded about 3 times a year in the area

Cold waves

27% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

15% of expected damage

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

Recorded about once every 94 years in the area

Heat waves

10% of expected damage

Below average · higher than 25% of U.S. places

Recorded about 7 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 Carbon Cliff flood?

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

66paid claims since 1979

$933Kpaid to owners

3homes flooded more than once

19792026

Biggest named events

Mid-spring storms: 20 claims, $488K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Rock Island County.

What’s been done with FEMA grants

11homes raised above flood level

Disasters that hit Carbon Cliff

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Carbon Cliff itself: aid to households, or repair grants to the Village of Carbon Cliff.

Brought FEMA money into Carbon CliffDeclared for Rock Island County only

2013

Severe Storms, Straight-Line Winds, and Flooding

11 households applied for aid $9K aid approved $16K to the Village of Carbon Cliff for repairs

2011

Severe Winter Storm and Snowstorm

$6K to the Village of Carbon Cliff for repairs

2008

Severe Storms and Flooding

$9K to the Village of Carbon Cliff for repairs

Rock Island County has had 13 natural disasters declared since 1953, most often floods and winter storms.

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. Carbon Cliff covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Carbon Cliff’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Carbon Cliff. 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 Carbon Cliff total about $1.0M 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.