Natural hazards · Cruger

Cruger, IL natural hazards

Most of the natural-hazard damage FEMA expects in Cruger comes from inland flooding, and overall the risk is moderate 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 Cruger?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cruger to be higher than in 50% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding53%Cold waves21%Tornadoes12%Everything else15%

By hazard

What Cruger faces

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

Inland flooding

53% of expected damage

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

Recorded about once a year in the area

Cold waves

21% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 23 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Cruger flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Woodford County.

Disasters that hit Cruger

1 federal disaster brought FEMA money here

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

Brought FEMA money into CrugerDeclared for Woodford County only

2011

Severe Winter Storm and Snowstorm

$3K to the Township of Cruger for repairs

Woodford County has had 12 natural disasters declared since 1953, most often floods and severe storms.

Around Cruger

Cruger and the towns around it

Very lowLowModerateHighVery high

Crugermostly inland floodingModerate

Oliomostly inland floodingModerate

Eurekamostly inland floodingModerate

Metamoramostly inland floodingLow

Washingtonmostly inland floodingLow

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