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Natural hazards · Coal Valley

Coal Valley, IL natural hazards

Most of the natural-hazard damage FEMA expects in Coal Valley comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 21 claims here since 1979. 4 federal disasters brought FEMA money into town.

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

How exposed is Coal Valley?

59
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coal Valley to be higher than in 59% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding46%Cold waves21%Tornadoes13%Heat waves7%Everything else13%
By hazard

What Coal Valley faces

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

Inland flooding

46% of expected damage
Well above average · higher than 75% of U.S. places
Recorded about 3 times a year in the area

Cold waves

21% of expected damage
Above average · higher than 52% of U.S. places
Recorded about 6 times a year in the area

Tornadoes

13% of expected damage
Well above average · higher than 79% of U.S. places

Heat waves

7% of expected damage
Below average · higher than 25% of U.S. places
Recorded about 7 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

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 Coal Valley flood?

Every paid claim on a federal flood insurance policy in Coal Valley, from FEMA’s records.

21paid claims since 1979
$223Kpaid to owners
3homes flooded more than once
19792026

Biggest named events

  • Mid-spring storms: 5 claims, $86K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Coal Valley isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Rock Island County.
Disasters that hit Coal Valley

4 federal disasters brought FEMA money here

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

Brought FEMA money into Coal ValleyDeclared for Rock Island County only
2019

Severe Storms and Flooding

$25K to the Village of Coal Valley for repairs
2013

Severe Storms, Straight-Line Winds, and Flooding

1 household applied for aid $2K aid approved
2011

Severe Winter Storm and Snowstorm

$7K to the Village of Coal Valley for repairs
2008

Severe Storms and Flooding

9 households applied for aid $4K aid approved $7K to the Village of Coal Valley for repairs
Rock Island County has had 13 natural disasters declared since 1953, most often floods and winter storms.
Around Coal Valley

Coal Valley and the towns around it

Moline: Low, mostly inland floodingRock Island: Moderate, mostly inland floodingMoline: Low, mostly inland floodingEast Moline: Moderate, mostly inland floodingRock Island Arsenal: High, mostly inland floodingSouth Moline: Low, mostly inland floodingRock Island: High, mostly inland floodingSouth Rock Island: Moderate, mostly inland floodingCoal Valley: Moderate, mostly inland floodingMilan: High, mostly inland floodingCoal Valley: Moderate, mostly inland flooding Coal ValleyMoline
Very lowLowModerateHighVery high
Coal Valleymostly inland floodingModerate
Molinemostly 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. Coal Valley covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Coal Valley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Coal Valley. 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 Coal Valley total about $1.5M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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