Natural hazards · Dwight

Dwight, IL natural hazards

Most of the natural-hazard damage FEMA expects in Dwight comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 14 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Dwight?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Dwight to be higher than in 51% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding53%Cold waves26%Tornadoes7%Everything else14%

By hazard

What Dwight 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

26% of expected damage

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

Recorded about 5 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 68% of U.S. places

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 Dwight flood?

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

14paid claims since 1979

$51Kpaid to owners

2homes flooded more than once

19792026

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. Dwight 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 Dwight

5 federal disasters brought FEMA money here

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

Brought FEMA money into DwightDeclared for Livingston County only

2013

Severe Storms, Straight-Line Winds, and Flooding

3 households applied for aid $1K aid approved

2011

Severe Winter Storm and Snowstorm

$10K to the Village of Dwight for repairs

2008

Severe Storms and Flooding

1 household applied for aid

2000

Illinois Winter Snow Storms

$5K to the Village of Dwight for repairs

1999

Il-Winter Storm 1/1/99

$6K to the Village of Dwight for repairs

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. Dwight covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Dwight’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Dwight. 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 Dwight total about $2.1M 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.