Natural hazards · Chadwick

Chadwick, IL natural hazards

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

Low

vs. U.S. communities

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

Inland flooding40%Drought19%Tornadoes12%Strong wind10%Cold waves9%Hail6%Everything else4%

By hazard

What Chadwick faces

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

Inland flooding

40% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once a year in the area

Drought

19% of expected damage

Recorded about 12 times a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 10 years in the area

Strong wind

10% of expected damage

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

Recorded about 6 times a year in the area

Cold waves

9% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about 6 times a year in the area

Hail

6% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat 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 Chadwick flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Carroll County.

Disasters that hit Chadwick

3 federal disasters brought FEMA money here

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

Brought FEMA money into ChadwickDeclared for Carroll County only

2011

Severe Winter Storm and Snowstorm

$2K to the Village of Chadwick for repairs

2010

Severe Storms and Flooding

4 households applied for aid $5K aid approved

2008

Record Snow and Near Record Snow

$813 to the Village of Chadwick for repairs

Carroll County has had 14 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. Chadwick 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 Chadwick’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Chadwick. 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.