Natural hazards · Fidelity

Fidelity, IL natural hazards

Most of the natural-hazard damage FEMA expects in Fidelity comes from heat waves, 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 Fidelity?

Moderate

vs. U.S. communities

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

Heat waves24%Inland flooding20%Cold waves18%Tornadoes12%Earthquakes11%Strong wind7%Everything else8%

By hazard

What Fidelity faces

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

Heat waves

24% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 11 times a year in the area

Inland flooding

20% of expected damage

Below average · higher than 44% of U.S. places

Recorded about once a year in the area

Cold waves

18% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 12 years in the area

Earthquakes

11% of expected damage

Well above average · higher than 80% of U.S. places

Strong wind

7% of expected damage

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

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce 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 Fidelity flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jersey County.

Disasters that hit Fidelity

Federal disasters declared here

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

Brought FEMA money into FidelityDeclared for Jersey County only

Jersey County has had 18 natural disasters declared since 1953, most often floods and severe 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. Fidelity 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 Fidelity’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Fidelity. 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.