Natural hazards · Eldorado

Eldorado, IL natural hazards

Most of the natural-hazard damage FEMA expects in Eldorado comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 3 claims here since 2014. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Eldorado?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Eldorado to be higher than in 81% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes40%Inland flooding30%Tornadoes8%Cold waves8%Strong wind6%Heat waves5%Everything else3%

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.

Earthquakes

40% of expected damage

Well above average · higher than 90% of U.S. places

Inland flooding

30% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 81% of U.S. places

Cold waves

8% of expected damage

Below average · higher than 39% of U.S. places

Recorded about once a year in the area

Strong wind

6% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 4 times a year in the area

Heat waves

5% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 10 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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?

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

3paid claims since 2014

$38Kpaid to owners

0homes flooded more than once

20142026

of homes in flood zones
are insured

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: Saline County.

Disasters that hit Eldorado

1 federal disaster brought FEMA money here

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

Brought FEMA money into EldoradoDeclared for Saline County only

2011

Severe Storms and Flooding

3 households applied for aid $8K aid approved

Saline County has had 7 natural disasters declared since 1953, most often severe storms and hurricanes.

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 covers 1 census tract, combined by population.

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 City of Eldorado. 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 Eldorado total about $1.7M 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.