Natural hazards · Cold Spring

Cold Spring, IL natural hazards

Most of the natural-hazard damage FEMA expects in Cold Spring 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 Cold Spring?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cold Spring to be higher than in 56% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding34%Cold waves26%Drought15%Earthquakes8%Tornadoes5%Everything else12%

By hazard

What Cold Spring faces

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

Inland flooding

34% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 2 times a year in the area

Cold waves

26% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 3 times a year in the area

Drought

15% of expected damage

Recorded about 2 times a year in the area

Earthquakes

8% of expected damage

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

Tornadoes

5% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 6 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightning

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 Cold Spring flood?

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

of all homes
are insured

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

Insurance rates: Shelby County.

Disasters that hit Cold Spring

Federal disasters declared here

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

Brought FEMA money into Cold SpringDeclared for Shelby County only

Shelby County has had 8 natural disasters declared since 1953, most often tornadoes and winter storms.

Around Cold Spring

Cold Spring and the towns around it

Very lowLowModerateHighVery high

Tower Hillmostly inland floodingHigh

Cold Springmostly inland floodingModerate

Oconeemostly inland floodingModerate

Herrickmostly inland floodingModerate

Lakewoodmostly inland floodingModerate

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. Cold Spring covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Cold Spring’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Cold Spring. 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 Cold Spring total about $2.9M 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.