Natural hazards · Carterville

Carterville, IL natural hazards

Most of the natural-hazard damage FEMA expects in Carterville comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim 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 Carterville?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Carterville to be higher than in 77% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes48%Inland flooding15%Strong wind13%Cold waves9%Tornadoes6%Heat waves5%Everything else4%

By hazard

What Carterville faces

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

Earthquakes

48% of expected damage

Well above average · higher than 90% of U.S. places

Inland flooding

15% of expected damage

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

Recorded about 2 times a year in the area

Strong wind

13% of expected damage

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

Recorded about 4 times a year in the area

Cold waves

9% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about once a year in the area

Tornadoes

6% of expected damage

Above average · higher than 50% of U.S. places

Heat waves

5% of expected damage

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

Recorded about 10 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Carterville flood?

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

1paid claims since 1979

$3Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Williamson County.

Disasters that hit Carterville

3 federal disasters brought FEMA money here

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

Brought FEMA money into CartervilleDeclared for Williamson County only

2011

Severe Storms and Flooding

28 households applied for aid $134K aid approved

2009

Severe Storms, Flooding, and Tornadoes

$398K to the City of Carterville for repairs

2004

Record/Near Record Snow

$4K to the City of Carterville for repairs

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

Around Carterville

Carterville and the towns around it

Very lowLowModerateHighVery high

Cambriamostly inland floodingVery high

Herrinmostly earthquakesHigh

Cartervillemostly earthquakesHigh

Crainvillemostly earthquakesHigh

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. Carterville covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Carterville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Carterville. 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 Carterville total about $4.7M 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.