Natural hazards · Carman

Carman, IL natural hazards

Most of the natural-hazard damage FEMA expects in Carman comes from inland flooding, and overall the risk is very high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Carman?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Carman to be higher than in 90% of U.S. communities, mostly from inland flooding.

Inland flooding50%Drought14%Hail10%Strong wind9%Tornadoes6%Everything else11%

By hazard

What Carman faces

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

Inland flooding

50% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 2 times a year in the area

Drought

14% of expected damage

Recorded about 9 times a year in the area

Hail

10% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 4 times a year in the area

Strong wind

9% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

6% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 10 years in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

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 Carman flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Henderson County.

Disasters that hit Carman

3 federal disasters brought FEMA money here

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

Brought FEMA money into CarmanDeclared for Henderson County only

2013

Severe Storms, Straight-Line Winds, and Flooding

12 households applied for aid $11K aid approved

2011

Severe Winter Storm and Snowstorm

$1K to the Township of Carman for repairs

2008

Severe Storms and Flooding

189 households applied for aid $1.5M aid approved

Henderson County has had 14 natural disasters declared since 1953, most often floods and winter storms.

Around Carman

Carman and the towns around it

Very lowLowModerateHighVery high

Carmanmostly inland floodingVery high

Gladstonemostly inland floodingVery high

Gulfportmostly inland floodingVery high

Stronghurstmostly inland floodingVery high

Lomaxmostly inland floodingVery high

Burlingtonmostly 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. Carman 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 Carman’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Carman. 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.