Natural hazards · Carlinville

Carlinville, IL natural hazards

Most of the natural-hazard damage FEMA expects in Carlinville comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1993. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Carlinville?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Carlinville to be higher than in 53% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding33%Earthquakes21%Cold waves16%Heat waves10%Tornadoes8%Everything else11%

By hazard

What Carlinville faces

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

Inland flooding

33% of expected damage

Below average · higher than 49% of U.S. places

Recorded about once a year in the area

Earthquakes

21% of expected damage

Well above average · higher than 82% of U.S. places

Cold waves

16% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Heat waves

10% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 9 times a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 86% of U.S. places

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 Carlinville flood?

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

1paid claims since 1993

$20Kpaid to owners

0homes flooded more than once

19932026

Biggest named events

Midwest Flooding: 1 claim, $20K

of all homes
are insured

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

Insurance rates: Macoupin County.

Disasters that hit Carlinville

2 federal disasters brought FEMA money here

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

Brought FEMA money into CarlinvilleDeclared for Macoupin County only

2008

Severe Storms and Flooding

$28K to the City of Carlinville for repairs

2002

Severe Storms, Tornadoes and Flooding

$2K to the City of Carlinville for repairs

Macoupin County has had 7 natural disasters declared since 1953, most often severe storms and tornadoes.

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. Carlinville covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Carlinville’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Carlinville. 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 Carlinville total about $3.6M 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.