Natural hazards · Flora

Flora, IL natural hazards

Most of the natural-hazard damage FEMA expects in Flora comes from earthquakes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 2015. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Flora?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Flora to be higher than in 47% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes42%Inland flooding22%Tornadoes10%Cold waves7%Heat waves7%Strong wind7%Everything else5%

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.

Earthquakes

42% of expected damage

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

Inland flooding

22% of expected damage

Well below average · higher than 16% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 72% of U.S. places

Cold waves

7% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about once a year in the area

Heat waves

7% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 8 times a year in the area

Strong wind

7% of expected damage

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

Recorded about 4 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 Flora flood?

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

3paid claims since 2015

$29Kpaid to owners

0homes flooded more than once

20152026

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: Clay County.

Disasters that hit Flora

1 federal disaster brought FEMA money here

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

Brought FEMA money into FloraDeclared for Clay County only

2011

Severe Winter Storm and Snowstorm

$12K to the City of Flora for repairs

Clay County has had 3 natural disasters declared since 1953, most often winter storms and hurricanes.

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; household aid to the registrant’s city; repair grants to the City 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 $3.3M 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.

Flora, IL natural hazards

How exposed is Flora?

What Flora faces

Earthquakes

Inland flooding

Tornadoes

Cold waves

Heat waves

Strong wind

Lower here

Not a risk here

Does Flora flood?

1 federal disaster brought FEMA money here

Severe Winter Storm and Snowstorm

How to read this page

Where to, neighbor?

Matches

Nearby