Natural hazards · Chili

Chili, IL natural hazards

Most of the natural-hazard damage FEMA expects in Chili comes from cold waves, 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 Chili?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chili to be higher than in 52% of U.S. communities, mostly from cold waves and drought.

Cold waves22%Drought20%Inland flooding18%Heat waves14%Strong wind9%Tornadoes6%Everything else11%

By hazard

What Chili faces

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

Cold waves

22% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 4 times a year in the area

Drought

20% of expected damage

Recorded about 4 times a year in the area

Inland flooding

18% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 3 times a year in the area

Heat waves

14% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 9 times a year in the area

Strong wind

9% of expected damage

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

Recorded about 5 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 5 years 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 Chili flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hancock County.

Disasters that hit Chili

Federal disasters declared here

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

Brought FEMA money into ChiliDeclared for Hancock County only

Hancock County has had 17 natural disasters declared since 1953, most often floods and severe storms.

Around Chili

Chili and the towns around it

Very lowLowModerateHighVery high

Houstonmostly inland floodingModerate

Chilimostly cold wavesModerate

Harmonymostly cold wavesModerate

Augustamostly cold wavesModerate

St. Albansmostly cold wavesModerate

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