Natural hazards · Emmet

Emmet, IL natural hazards

Most of the natural-hazard damage FEMA expects in Emmet comes from inland flooding, 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 Emmet?

Moderate

vs. U.S. communities

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

Inland flooding26%Cold waves21%Heat waves14%Tornadoes11%Drought9%Strong wind9%Everything else10%

By hazard

What Emmet faces

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

Inland flooding

26% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 2 times a year in the area

Cold waves

21% of expected damage

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

Recorded about 4 times a year in the area

Heat waves

14% of expected damage

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

Recorded about 9 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 19 years in the area

Drought

9% of expected damage

Recorded about 4 times a year in the area

Strong wind

9% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesIce 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 Emmet flood?

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

of all homes
are insured

No community discount. Emmet 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 Emmet

Federal disasters declared here

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

Brought FEMA money into EmmetDeclared for McDonough County only

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

Around Emmet

Emmet and the towns around it

Very lowLowModerateHighVery high

Hiremostly droughtModerate

Sciotamostly droughtModerate

Emmetmostly inland floodingModerate

Chalmersmostly inland floodingModerate

Macombmostly inland floodingModerate

Colchestermostly cold wavesLow

Macombmostly inland floodingLow

Macomb Citymostly 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. Emmet covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Emmet’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Emmet. 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 Emmet total about $741K 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.