Chenoa’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Chenoa comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1986. 3 federal disasters brought FEMA money into town.
What stands out about Chenoa’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
What Chenoa faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Cold waves
Drought
Tornadoes
Does Chenoa flood? Rarely: 2 flood claims since 1986
Every paid claim on a federal flood insurance policy in Chenoa, from FEMA’s records.
Chenoa isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: McLean County.How exposed is Chenoa?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 60% of U.S. communities, mostly from inland flooding and cold waves.
Rated higher than 1,719 of the 2,886 Illinois towns we cover.
Chenoa is smaller than a census tract, so it shares the figures of the tract around its center.
3 federal disasters brought FEMA money to Chenoa
Disasters that paid out in Chenoa itself (aid to households or repair grants to the City of Chenoa) and its biggest flood years.
- 2006Severe Winter Storm$16K to the City of Chenoa for repairs
- 2000Illinois Winter Snow Storms$2K to the City of Chenoa for repairs
- 1999Il-Winter Storm 1/1/99$2K to the City of Chenoa for repairs
McLean County has had 9 natural disasters declared since 1953, most often winter storms and ice storms.
Old photos of Chenoa after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Chenoa archive →Get ready for what Chenoa actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Let faucets drip so pipes don’t freeze.
- Know where your water shutoff is.
- Never heat the house with the oven or a grill.
- On a well? Know how deep it is and watch for sputtering.
- Follow the town’s watering limits.
- Fix drips: they add up.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Most disasters here begin in November–January
The month each of McLean County’s 9 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Chenoa’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Chenoa.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Chenoa.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.