Natural hazards · Central

Central, IL natural hazards

Most of the natural-hazard damage FEMA expects in Central comes from earthquakes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 5 claims here since 1979.

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

Expected damage

How exposed is Central?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Central to be higher than in 52% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes31%Inland flooding24%Tornadoes17%Cold waves11%Heat waves8%Everything else9%

By hazard

What Central faces

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

Earthquakes

31% of expected damage

Well above average · higher than 85% of U.S. places

Inland flooding

24% of expected damage

Below average · higher than 31% of U.S. places

Recorded about once a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 79% of U.S. places

Cold waves

11% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 2 times a year in the area

Heat waves

8% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 10 times a year in the area

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 Central flood?

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

5paid claims since 1979

$282Kpaid to owners

0homes flooded more than once

19792026

of all homes
are insured

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

Insurance rates: Bond County.

Disasters that hit Central

Federal disasters declared here

None of the disasters declared for Bond County shows FEMA aid or repair money reaching Central itself in FEMA’s records.

Brought FEMA money into CentralDeclared for Bond County only

Bond County has had 5 natural disasters declared since 1953, most often tornadoes and winter storms.

Around Central

Central and the towns around it

Very lowLowModerateHighVery high

Old Ripleymostly inland floodingHigh

Pleasant Moundmostly inland floodingHigh

Millsmostly inland floodingHigh

Lagrangemostly inland floodingModerate

Centralmostly earthquakesModerate

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. Central covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Central’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Central. 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 Central total about $3.7M 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.