Natural hazards · Fairhaven

Fairhaven, IL natural hazards

Most of the natural-hazard damage FEMA expects in Fairhaven 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 Fairhaven?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fairhaven to be higher than in 56% of U.S. communities, mostly from inland flooding.

Inland flooding46%Drought14%Tornadoes12%Cold waves12%Strong wind8%Everything else8%

By hazard

What Fairhaven faces

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

Inland flooding

46% of expected damage

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

Recorded about once a year in the area

Drought

14% of expected damage

Recorded about 12 times a year in the area

Tornadoes

12% of expected damage

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

Recorded about once every 13 years in the area

Cold waves

12% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about 6 times a year in the area

Strong wind

8% of expected damage

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

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Fairhaven flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Carroll County.

Disasters that hit Fairhaven

Federal disasters declared here

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

Brought FEMA money into FairhavenDeclared for Carroll County only

Carroll County has had 14 natural disasters declared since 1953, most often floods and winter storms.

Around Fairhaven

Fairhaven and the towns around it

Very lowLowModerateHighVery high

Fairhavenmostly inland floodingModerate

Yorkmostly inland floodingModerate

Salemmostly inland floodingModerate

Clydemostly inland floodingLow

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