Natural hazards · Chalmers

Chalmers, IL natural hazards

Most of the natural-hazard damage FEMA expects in Chalmers comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Chalmers?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chalmers to be higher than in 54% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding26%Cold waves21%Heat waves14%Tornadoes11%Drought9%Strong wind9%Everything else10%

By hazard

What Chalmers faces

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

Inland flooding

26% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 2 times a year in the area

Cold waves

21% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 4 times a year in the area

Heat waves

14% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 9 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 19 years in the area

Drought

9% of expected damage

Recorded about 4 times a year in the area

Strong wind

9% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

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 Chalmers flood?

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

of all homes
are insured

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

Insurance rates: McDonough County.

Disasters that hit Chalmers

Federal disasters declared here

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

Brought FEMA money into ChalmersDeclared for McDonough County only

McDonough County has had 9 natural disasters declared since 1953, most often winter storms and severe storms.

Around Chalmers

Chalmers and the towns around it

Very lowLowModerateHighVery high

Chalmersmostly inland floodingModerate

Emmetmostly inland floodingModerate

Scotlandmostly inland floodingModerate

Colchestermostly cold wavesLow

Bethelmostly cold wavesLow

Macombmostly inland floodingLow

Macomb Citymostly inland floodingLow

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. Chalmers 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 Chalmers’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Chalmers. 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.