Natural hazards · Farmington

Farmington, IL natural hazards

Most of the natural-hazard damage FEMA expects in Farmington comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 6 claims here since 1982. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Farmington?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Farmington to be higher than in 43% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding38%Cold waves20%Tornadoes14%Heat waves9%Hail6%Strong wind6%Everything else8%

By hazard

What Farmington faces

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

Inland flooding

38% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 2 times a year in the area

Cold waves

20% of expected damage

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

Recorded about 5 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 92% of U.S. places

Heat waves

9% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 7 times a year in the area

Hail

6% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 4 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Farmington flood?

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

6paid claims since 1982

$57Kpaid to owners

0homes flooded more than once

19822026

Biggest named events

Mid-spring storms: 1 claim, $23K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Fulton County.

Disasters that hit Farmington

7 federal disasters brought FEMA money here

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

Brought FEMA money into FarmingtonDeclared for Fulton County only

2024

Severe Storms, Tornadoes, Straight-Line Winds, and Floodng

3 households applied for aid

2013

Severe Storms, Straight-Line Winds, and Flooding

12 households applied for aid $38K aid approved

2011

Severe Winter Storm and Snowstorm

$6K to the City of Farmington for repairs

2006

Snow

$5K to the City of Farmington for repairs

2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

2000

Illinois Winter Snow Storms

$2K to the City of Farmington for repairs

1999

Il-Winter Storm 1/1/99

$5K to the City of Farmington for repairs

Fulton County has had 18 natural disasters declared since 1953, most often floods and winter storms.

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. Farmington covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Farmington’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Farmington. 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 Farmington total about $1.2M 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.