Natural hazards · Cobden

Cobden, IL natural hazards

Most of the natural-hazard damage FEMA expects in Cobden comes from earthquakes, and overall the risk is high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cobden?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cobden to be higher than in 73% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes26%Inland flooding20%Cold waves13%Heat waves13%Tornadoes12%Strong wind11%Everything else5%

By hazard

What Cobden faces

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

Earthquakes

26% of expected damage

Well above average · higher than 87% of U.S. places

Inland flooding

20% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 2 times a year in the area

Cold waves

13% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about once a year in the area

Heat waves

13% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 11 times a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 10 years in the area

Strong wind

11% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 4 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 Cobden flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Union County.

Disasters that hit Cobden

3 federal disasters brought FEMA money here

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

Brought FEMA money into CobdenDeclared for Union County only

2009

Severe Storms, Flooding, and Tornadoes

$4K to the Village of Cobden for repairs

2009

Severe Winter Storm

$1K to the Village of Cobden for repairs

2004

Record/Near Record Snow

$3K to the Village of Cobden for repairs

Union County has had 13 natural disasters declared since 1953, most often floods 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. Cobden 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 Cobden’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Cobden. 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.