Natural hazards · Farmer

Farmer, IL natural hazards

Most of the natural-hazard damage FEMA expects in Farmer comes from inland flooding, and overall the risk is moderate for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Farmer?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Farmer to be higher than in 55% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding40%Cold waves23%Tornadoes11%Earthquakes7%Drought7%Everything else12%

By hazard

What Farmer faces

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

Inland flooding

40% of expected damage

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

Recorded about once a year in the area

Cold waves

23% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

11% of expected damage

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

Recorded about once every 15 years in the area

Earthquakes

7% of expected damage

Well above average · higher than 77% of U.S. places

Drought

7% of expected damage

Recorded about 2 times a year in the area

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 Farmer flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: De Witt County.

Disasters that hit Farmer

4 federal disasters brought FEMA money here

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

Brought FEMA money into FarmerDeclared for De Witt County only

2023

Severe Storms and Flooding

$53K to the City of Farmer for repairs

2006

Severe Winter Storm

$50K to the City of Farmer for repairs

2000

Illinois Winter Snow Storms

$3K to the City of Farmer for repairs

1999

Il-Winter Storm 1/1/99

$5K to the City of Farmer for repairs

De Witt County has had 9 natural disasters declared since 1953, most often severe storms and tornadoes.

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