Natural hazards · Clover

Clover, IL natural hazards

Most of the natural-hazard damage FEMA expects in Clover 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 Clover?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clover to be higher than in 44% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding32%Strong wind22%Drought18%Tornadoes10%Cold waves6%Everything else11%

By hazard

What Clover faces

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

Inland flooding

32% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 2 times a year in the area

Strong wind

22% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 6 times a year in the area

Drought

18% of expected damage

Recorded about 9 times a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 7 years in the area

Cold waves

6% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce 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 Clover flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Henry County.

Disasters that hit Clover

Federal disasters declared here

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

Brought FEMA money into CloverDeclared for Henry County only

Henry County has had 14 natural disasters declared since 1953, most often floods and winter storms.

Around Clover

Clover and the towns around it

Very lowLowModerateHighVery high

Ontariomostly inland floodingModerate

Clovermostly inland floodingModerate

Wellermostly inland floodingModerate

Oxfordmostly inland floodingModerate

Andovermostly 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. Clover covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Clover’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Clover. 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 Clover total about $2.2M 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.