Natural hazards · Eureka

Eureka, IL natural hazards

Most of the natural-hazard damage FEMA expects in Eureka comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 5 claims here since 1979. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Eureka?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Eureka to be higher than in 50% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding53%Cold waves21%Tornadoes12%Everything else15%

By hazard

What Eureka 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

21% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

12% of expected damage

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

Recorded about once every 23 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 Eureka flood?

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

5paid claims since 1979

$6Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Early winter storms: 1 claim, $1K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Woodford County.

What’s been done with FEMA grants

1buildings floodproofed

Disasters that hit Eureka

7 federal disasters brought FEMA money here

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

Brought FEMA money into EurekaDeclared for Woodford County only

2013

Severe Storms, Straight-Line Winds, and Tornadoes

3 households applied for aid

2013

Severe Storms, Straight-Line Winds, and Flooding

16 households applied for aid $26K aid approved $74K to the City of Eureka for repairs

2011

Severe Winter Storm and Snowstorm

$9K to the City of Eureka for repairs

2008

Severe Storms and Flooding

9 households applied for aid $20K aid approved $38K to the City of Eureka for repairs

2006

Severe Winter Storm

$8K to the City of Eureka for repairs

2003

Severe Storms, Tornadoes, and Flooding

13 households applied for aid $4K aid approved

1999

Il-Winter Storm 1/1/99

$3K to the City of Eureka for repairs

Woodford County has had 12 natural disasters declared since 1953, most often floods and severe storms.

Around Eureka

Eureka and the towns around it

Very lowLowModerateHighVery high

Eurekamostly inland floodingModerate

Crugermostly inland floodingModerate

Oliomostly inland floodingModerate

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. Eureka 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 Eureka’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Eureka. 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.