Natural hazards · Flora

Flora, IL natural hazards

Most of the natural-hazard damage FEMA expects in Flora comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 7 claims here since 1978.

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

Expected damage

How exposed is Flora?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Flora to be higher than in 34% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding57%Tornadoes17%Cold waves11%Hail5%Everything else10%

By hazard

What Flora faces

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

Inland flooding

57% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 15 years in the area

Cold waves

11% of expected damage

Below average · higher than 30% of U.S. places

Recorded about 6 times a year in the area

Hail

5% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Flora flood?

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

7paid claims since 1978

$105Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Mid-spring storms: 2 claims, $18K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Boone County.

Disasters that hit Flora

Federal disasters declared here

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

Brought FEMA money into FloraDeclared for Boone County only

Boone County has had 9 natural disasters declared since 1953, most often winter storms and floods.

Around Flora

Flora and the towns around it

Very lowLowModerateHighVery high

Belvideremostly inland floodingModerate

Franklinmostly inland floodingModerate

Floramostly inland floodingLow

Springmostly inland floodingLow

Cherry Valleymostly 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. Flora covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Flora’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Flora. 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 Flora total about $3.8M 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.