Natural hazards · Coalton

Coalton, IL natural hazards

Most of the natural-hazard damage FEMA expects in Coalton comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Coalton?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coalton to be higher than in 66% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding42%Earthquakes20%Cold waves10%Tornadoes9%Strong wind6%Heat waves5%Everything else8%

By hazard

What Coalton faces

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

Inland flooding

42% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once a year in the area

Earthquakes

20% of expected damage

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

Cold waves

10% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 11 years in the area

Strong wind

6% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 6 times a year in the area

Heat waves

5% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 9 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Coalton flood?

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

of all homes
are insured

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

Insurance rates: Montgomery County.

Disasters that hit Coalton

1 federal disaster brought FEMA money here

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

Brought FEMA money into CoaltonDeclared for Montgomery County only

2006

Severe Winter Storm

$8K to the Village of Coalton for repairs

Montgomery County has had 5 natural disasters declared since 1953, most often tornadoes and severe storms.

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