Natural hazards · Cooperstown

Cooperstown, IL natural hazards

Most of the natural-hazard damage FEMA expects in Cooperstown comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cooperstown?

Moderate

vs. U.S. communities

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

Inland flooding27%Cold waves23%Heat waves16%Drought13%Strong wind9%Tornadoes6%Everything else7%

By hazard

What Cooperstown faces

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

Inland flooding

27% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 2 years in the area

Cold waves

23% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 4 times a year in the area

Heat waves

16% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 8 times a year in the area

Drought

13% of expected damage

Recorded about 4 times a year in the area

Strong wind

9% of expected damage

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

Recorded about 5 times a year in the area

Tornadoes

6% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 4 years in the area

Lower here

HurricanesHailIce 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 Cooperstown flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Brown County.

Disasters that hit Cooperstown

2 federal disasters brought FEMA money here

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

Brought FEMA money into CooperstownDeclared for Brown County only

2011

Severe Winter Storm and Snowstorm

$3K to the Township of Cooperstown for repairs

2002

Severe Storms, Tornadoes and Flooding

$6K to the Township of Cooperstown for repairs

Brown County has had 14 natural disasters declared since 1953, most often floods and severe storms.

Around Cooperstown

Cooperstown and the towns around it

Very lowLowModerateHighVery high

Beardstownmostly cold wavesVery high

Hagenermostly cold wavesHigh

Bainbridgemostly inland floodingHigh

Cooperstownmostly inland floodingModerate

Versaillesmostly inland floodingModerate

Ripleymostly inland floodingModerate

Woodstockmostly cold wavesModerate

Mount Sterlingmostly cold wavesModerate

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