Natural hazards · Coldbrook

Coldbrook, IL natural hazards

Most of the natural-hazard damage FEMA expects in Coldbrook comes from drought, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1982.

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

Expected damage

How exposed is Coldbrook?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coldbrook to be higher than in 64% of U.S. communities, mostly from drought and inland flooding.

Drought30%Inland flooding20%Cold waves17%Heat waves9%Strong wind8%Hail6%Everything else10%

By hazard

What Coldbrook faces

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

Drought

30% of expected damage

Recorded about 9 times a year in the area

Inland flooding

20% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once a year in the area

Cold waves

17% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 5 times a year in the area

Heat waves

9% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 9 times a year in the area

Strong wind

8% of expected damage

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

Recorded about 6 times a year in the area

Hail

6% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

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 Coldbrook flood?

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

2paid claims since 1982

$4Kpaid to owners

0homes flooded more than once

19822026

of all homes
are insured

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

Insurance rates: Warren County.

Disasters that hit Coldbrook

Federal disasters declared here

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

Brought FEMA money into ColdbrookDeclared for Warren County only

Warren County has had 7 natural disasters declared since 1953, most often severe storms and floods.

Around Coldbrook

Coldbrook and the towns around it

Very lowLowModerateHighVery high

Coldbrookmostly droughtHigh

Floydmostly droughtHigh

Kellymostly droughtHigh

Galesburgmostly inland floodingModerate

Monmouthmostly 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. Coldbrook covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Coldbrook’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Coldbrook. 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 Coldbrook 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.