Natural hazards · Cullom

Cullom, IL natural hazards

Most of the natural-hazard damage FEMA expects in Cullom 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 Cullom?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cullom to be higher than in 54% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding56%Cold waves18%Strong wind7%Tornadoes6%Everything else13%

By hazard

What Cullom faces

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

Inland flooding

56% of expected damage

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

Recorded about once a year in the area

Cold waves

18% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 5 times a year in the area

Strong wind

7% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

6% of expected damage

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

Recorded about once every 4 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Cullom flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Livingston County.

Disasters that hit Cullom

1 federal disaster brought FEMA money here

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

Brought FEMA money into CullomDeclared for Livingston County only

2008

Severe Storms and Flooding

2 households applied for aid $9K aid approved

Livingston County has had 9 natural disasters declared since 1953, most often winter storms and floods.

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