Natural hazards · Fisher

Fisher, IL natural hazards

Most of the natural-hazard damage FEMA expects in Fisher comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 1994.

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

Expected damage

How exposed is Fisher?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fisher to be higher than in 74% of U.S. communities, mostly from inland flooding.

Inland flooding52%Drought15%Cold waves15%Tornadoes9%Everything else10%

By hazard

What Fisher faces

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

Inland flooding

52% of expected damage

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

Recorded about 2 times a year in the area

Drought

15% of expected damage

Recorded about 2 times a year in the area

Cold waves

15% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 7 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Fisher flood?

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

5paid claims since 1994

$178Kpaid to owners

1homes flooded more than once

19942026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Champaign County.

Disasters that hit Fisher

Federal disasters declared here

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

Brought FEMA money into FisherDeclared for Champaign County only

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

Around Fisher

Fisher and the towns around it

Very lowLowModerateHighVery high

Fishermostly inland floodingHigh

Brownmostly inland floodingHigh

East Bendmostly inland floodingHigh

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. Fisher covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Fisher’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Fisher. 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 Fisher total about $3.1M 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.