Natural hazards · Eldorado

Eldorado, IL natural hazards

Most of the natural-hazard damage FEMA expects in Eldorado comes from drought, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Eldorado?

Moderate

vs. U.S. communities

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

Drought29%Cold waves22%Inland flooding14%Strong wind13%Heat waves8%Tornadoes6%Everything else8%

By hazard

What Eldorado faces

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

Drought

29% of expected damage

Recorded about 5 times a year in the area

Cold waves

22% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 4 times a year in the area

Inland flooding

14% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 2 times a year in the area

Strong wind

13% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 6 times a year in the area

Heat waves

8% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 9 times a year in the area

Tornadoes

6% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 5 years in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

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 Eldorado flood?

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

of all homes
are insured

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

Insurance rates: McDonough County.

Disasters that hit Eldorado

Federal disasters declared here

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

Brought FEMA money into EldoradoDeclared for McDonough County only

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

Around Eldorado

Eldorado and the towns around it

Very lowLowModerateHighVery high

Eldoradomostly droughtModerate

Industrymostly droughtModerate

New Salemmostly droughtModerate

Oaklandmostly cold wavesModerate

Vermontmostly 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. Eldorado 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 Eldorado’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Eldorado. 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.