Natural hazards · Fancy Creek

Fancy Creek, IL natural hazards

Most of the natural-hazard damage FEMA expects in Fancy Creek comes from inland flooding, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Fancy Creek?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fancy Creek to be higher than in 33% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding41%Tornadoes18%Cold waves12%Drought10%Heat waves6%Earthquakes6%Everything else8%

By hazard

What Fancy Creek faces

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

Inland flooding

41% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 16 years in the area

Cold waves

12% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Drought

10% of expected damage

Recorded about 4 times a year in the area

Heat waves

6% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 8 times a year in the area

Earthquakes

6% of expected damage

Above average · higher than 71% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong windLightning

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 Fancy Creek flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Sangamon County.

Disasters that hit Fancy Creek

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Fancy Creek itself: aid to households, or repair grants to the Township of Fancy Creek.

Brought FEMA money into Fancy CreekDeclared for Sangamon County only

1999

Il-Winter Storm 1/1/99

$2K to the Township of Fancy Creek for repairs

Sangamon County has had 10 natural disasters declared since 1953, most often severe storms and winter storms.

Around Fancy Creek

Fancy Creek and the towns around it

Very lowLowModerateHighVery high

Springfieldmostly inland floodingModerate

Capitalmostly inland floodingModerate

Fancy Creekmostly inland floodingLow

Gardnermostly inland floodingLow

Shermanmostly inland floodingLow

Williamsmostly inland floodingLow

Springfieldmostly 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. Fancy Creek covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Fancy Creek’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Fancy Creek. 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 Fancy Creek total about $2.8M 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.