Natural hazards · Cave-In-Rock

Cave-In-Rock, IL natural hazards

Most of the natural-hazard damage FEMA expects in Cave-In-Rock comes from inland flooding, and overall the risk is very high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Cave-In-Rock?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cave-In-Rock to be higher than in 85% of U.S. communities, mostly from inland flooding.

Inland flooding50%Earthquakes13%Tornadoes12%Strong wind9%Everything else16%

By hazard

What Cave-In-Rock 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 91% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

13% of expected damage

Well above average · higher than 83% of U.S. places

Tornadoes

12% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 11 years in the area

Strong wind

9% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightningDrought

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 Cave-In-Rock flood?

FEMA's records show no paid flood insurance claims in Cave-In-Rock.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hardin County.

Disasters that hit Cave-In-Rock

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Cave-In-Rock itself: aid to households, or repair grants to the Village of Cave-In-Rock.

Brought FEMA money into Cave-In-RockDeclared for Hardin County only

2011

Severe Storms and Flooding

6 households applied for aid $17K aid approved

Hardin County has had 6 natural disasters declared since 1953, most often severe storms and hurricanes.

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. Cave-In-Rock 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 Cave-In-Rock’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Cave-In-Rock. 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.