Natural hazards · Cutler

Cutler, IL natural hazards

Most of the natural-hazard damage FEMA expects in Cutler comes from earthquakes, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Cutler?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cutler to be higher than in 74% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes52%Inland flooding18%Cold waves13%Tornadoes5%Everything else12%

By hazard

What Cutler faces

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

Earthquakes

52% of expected damage

Well above average · higher than 91% of U.S. places

Inland flooding

18% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 2 times a year in the area

Cold waves

13% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once a year in the area

Tornadoes

5% of expected damage

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

Recorded about once every 8 years in the area

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 Cutler flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Perry County.

Disasters that hit Cutler

Federal disasters declared here

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

Brought FEMA money into CutlerDeclared for Perry County only

Perry County has had 5 natural disasters declared since 1953, most often severe storms and tornadoes.

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