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Natural hazards · Farm Ridge

Farm Ridge, IL natural hazards

Most of the natural-hazard damage FEMA expects in Farm Ridge comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 2008. 1 federal disaster brought FEMA money into town.

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

How exposed is Farm Ridge?

22
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Farm Ridge to be higher than in 22% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding48%Cold waves21%Tornadoes9%Drought9%Earthquakes6%Everything else8%
By hazard

What Farm Ridge faces

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

Inland flooding

48% of expected damage
Below average · higher than 40% of U.S. places
Recorded about 2 times a year in the area

Cold waves

21% of expected damage
Well below average · higher than 19% of U.S. places
Recorded about 5 times a year in the area

Tornadoes

9% of expected damage
Above average · higher than 62% of U.S. places
Recorded about once every 9 years in the area

Drought

9% of expected damage
Recorded about 8 times a year in the area

Earthquakes

6% of expected damage
Above average · higher than 65% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Farm Ridge flood?

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

4paid claims since 2008
$54Kpaid to owners
0homes flooded more than once
20082026

Biggest named events

  • Mid-spring storms: 2 claims, $34K
  • Hurricane Ike: 1 claim, $701
of homes in flood zones
are insured
of all homes
are insured
No community discount. Farm Ridge isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: La Salle County.
Disasters that hit Farm Ridge

1 federal disaster brought FEMA money here

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

Brought FEMA money into Farm RidgeDeclared for La Salle County only
1999

Il-Winter Storm 1/1/99

$4K to the Township of Farm Ridge for repairs
La Salle County has had 18 natural disasters declared since 1953, most often floods and winter storms.
Around Farm Ridge

Farm Ridge and the towns around it

Vermillion: Low, mostly inland floodingDeer Park: Low, mostly inland floodingSouth Ottawa: High, mostly inland floodingBruce: High, mostly inland floodingGrand Rapids: High, mostly inland floodingRichland: Low, mostly inland floodingEden: Low, mostly inland floodingEagle: Moderate, mostly inland floodingLaSalle: Low, mostly inland floodingOglesby: Low, mostly inland floodingUtica: Low, mostly inland floodingOttawa: High, mostly inland floodingFall River: Low, mostly inland floodingStreator: Moderate, mostly inland floodingOtter Creek: Low, mostly inland floodingBrookfield: High, mostly inland floodingFarm Ridge: Low, mostly inland flooding Farm RidgeVermillionDeer ParkSouth OttawaBruceGrand Rapids
Very lowLowModerateHighVery high
South Ottawamostly inland floodingHigh
Grand Rapidsmostly inland floodingHigh
Brucemostly inland floodingHigh
Farm Ridgemostly inland floodingLow
Vermillionmostly inland floodingLow
Deer Parkmostly 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. Farm Ridge covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Farm Ridge’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Farm Ridge. 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 Farm Ridge total about $1.6M 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.

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You’re in Farm Ridge, ILLaSalle CountyView boundary

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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