Natural hazards · Cedarville

Cedarville, IL natural hazards

Most of the natural-hazard damage FEMA expects in Cedarville comes from inland flooding, and overall the risk is low 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 Cedarville?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cedarville to be higher than in 32% of U.S. communities, mostly from inland flooding.

Inland flooding54%Tornadoes14%Hail9%Cold waves9%Strong wind5%Everything else9%

By hazard

What Cedarville faces

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

Inland flooding

54% of expected damage

Below average · higher than 40% of U.S. places

Recorded about once a year in the area

Tornadoes

14% of expected damage

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

Recorded about once every 13 years in the area

Hail

9% of expected damage

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

Recorded about 4 times a year in the area

Cold waves

9% of expected damage

Below average · higher than 26% of U.S. places

Recorded about 6 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Cedarville flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Stephenson County.

Disasters that hit Cedarville

1 federal disaster brought FEMA money here

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

Brought FEMA money into CedarvilleDeclared for Stephenson County only

2010

Severe Storms and Flooding

4 households applied for aid $8K aid approved

Stephenson County has had 12 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. Cedarville 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 Cedarville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Cedarville. 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.