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Natural hazards · Diamond

Diamond, IL natural hazards

Most of the natural-hazard damage FEMA expects in Diamond comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 2008. 5 federal disasters brought FEMA money into town.

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

How exposed is Diamond?

21
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Diamond to be higher than in 21% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves57%Inland flooding23%Tornadoes13%Everything else8%
By hazard

What Diamond faces

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

Cold waves

57% of expected damage
Well below average · higher than 18% of U.S. places
Recorded about 5 times a year in the area

Inland flooding

23% of expected damage
Below average · higher than 29% of U.S. places
Recorded about once a year in the area

Tornadoes

13% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about once every 55 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 Diamond flood?

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

3paid claims since 2008
$52Kpaid to owners
1homes flooded more than once
20082026

Biggest named events

  • Hurricane Ike: 1 claim, $20K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Diamond isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Grundy County.
Disasters that hit Diamond

5 federal disasters brought FEMA money here

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

Brought FEMA money into DiamondDeclared for Grundy County only
2013

Severe Storms, Straight-Line Winds, and Tornadoes

113 households applied for aid $9K aid approved
2013

Severe Storms, Straight-Line Winds, and Flooding

2 households applied for aid $608 aid approved
2008

Severe Storms and Flooding

5 households applied for aid $11K aid approved $20K to the Village of Diamond for repairs
2007

Severe Storms and Flooding

3 households applied for aid $2K aid approved
2000

Illinois Winter Snow Storms

$1K to the Village of Diamond for repairs
Grundy County has had 13 natural disasters declared since 1953, most often floods and winter storms.
Around Diamond

Diamond and the towns around it

Coal City: Low, mostly cold wavesBraidwood: Very low, mostly inland floodingCarbon Hill: High, mostly inland floodingBraceville: High, mostly inland floodingReed: Very low, mostly inland floodingDiamond: Low, mostly cold waves DiamondCoal CityBraidwood
Very lowLowModerateHighVery high
Diamondmostly cold wavesLow
Coal Citymostly cold wavesLow
Braidwoodmostly inland floodingVery low
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. Diamond 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 Diamond’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Diamond. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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