Natural hazards · Cunningham

Cunningham, IL natural hazards

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

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cunningham to be higher than in 39% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding39%Cold waves22%Tornadoes16%Earthquakes13%Everything else10%

By hazard

What Cunningham faces

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

Inland flooding

39% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 2 times a year in the area

Cold waves

22% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 87% of U.S. places

Earthquakes

13% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Cunningham flood?

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

2paid claims since 1982

$2Kpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Champaign County.

Disasters that hit Cunningham

Federal disasters declared here

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

Brought FEMA money into CunninghamDeclared for Champaign County only

Champaign County has had 10 natural disasters declared since 1953, most often tornadoes and severe storms.

Around Cunningham

Cunningham and the towns around it

Very lowLowModerateHighVery high

Champaignmostly inland floodingHigh

Champaign Citymostly inland floodingHigh

Urbanamostly inland floodingModerate

Cunninghammostly inland floodingLow

Urbanamostly inland floodingLow

Somermostly 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. Cunningham covers 8 census tracts, combined by population.

Money that reached townFlood claims are matched to Cunningham’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Cunningham. 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 Cunningham total about $14.4M 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.